Get a Free Quote for HVAC Financing & Rebates Today
Worried about the upfront cost? We have up to $1,500 rebate, 0% financing for 36 months, and Dominion Energy utility rebates — most homeowners approved in about 2 minutes.
Up to $1,500 Otter Guys rebate + 0% financing for 36 months on a new system. Approved in about 2 minutes. Free in-home estimate, no obligation.
Same-day estimates available — call before noon.
Request Your Free Estimate
Leave your number and we’ll call within 15 minutes to schedule.
Or call us now: (434) 505-4780
“Devon has serviced my system in the past. We knew a replacement was going to happen and when my system failed (as he had warned) he quickly helped me find a solution, get financing, and then even stopped by after installation to check on the system and ensure it was working — which it is! The installation itself went well too. John and Yahmond were great. They were friendly, helpful, willing to problem-solve, and got me and my housemate from huddling around a window unit to lounging in our living room fast! Very happy with Otter Guys all around.”
Why Charlottesville homeowners choose The Otter Guys
Up to $1,500 Otter Guys rebate
Our rebate of up to $1,500 comes off the install price on qualifying full HVAC system replacements — not added to financing, not contingent on a specific brand. Just up to $1,500 off when you go with us on a new full system.
0% financing for 36 months
Most homeowners get approved in about 2 minutes. No money out of pocket at signing. Spread the cost across 36 months at 0% interest. We walk through your monthly payment at the free estimate so you know exactly what to expect.
Plus Dominion Energy utility rebates
Heat pump and high-efficiency system buyers may qualify for additional rebates through Dominion Energy. We handle the paperwork — you just enjoy a more comfortable home and lower bills.
10-Year Parts + 1-Year Labor Warranty
On all new HVAC system installations
Licensed & Insured
VA License #2705181379
BBB A+ Rated
Accredited business
Charlottesville’s Finest
Gold Award 2023–2025
How we help you afford a new HVAC system
Up to $1,500 Otter Guys Rebate
Off the install price on qualifying full HVAC system replacements — not financing-only, not brand-locked, not a mail-in form. Just up to $1,500 off when you go with us on a new full system.
0% Financing for 36 Months
No money out of pocket at signing, 0% interest, fixed monthly payment for 36 months. Most homeowners are approved in about 2 minutes through our financing partner.
Approval in About 2 Minutes
Soft credit check at your in-home estimate. You see your monthly payment and terms before deciding anything. No commitment to apply.
Dominion Energy Utility Rebates
Heat pump and high-efficiency buyers may qualify. We handle the paperwork and apply rebates to your final cost.
Free Written Estimate First
We’re not financing-pushers. We give you a written estimate, show you the financing math, and let you decide. No high-pressure tactics.
No Surprise Charges
Whatever’s on the written estimate is what you pay — financed or not. We don’t add costs mid-install.
Trusted by 6,000+ Charlottesville homeowners
“The Otter Guys recommended a lower cost unit, did an installation in one day, AND got it done before Christmas. Very happy to have heat again.”Charlie Fairchild Google Review
“The technician Devin was great to work with, he was very knowledgeable of the installation. Very friendly. And a great person to work with. Great company to work with, highly recommend them. And I ended up buying a yearly maintenance plan also.”Danny Mitchell Google Review
“Michael was fantastic, taking time to thoroughly assess my HVAC system as well as follow up on other home issues that he helped me identify. Great service and staff and I will be continuing to use the Otter Guys in the future!”AJ M. Google Review
Here’s exactly what happens when you call
Free in-home estimate
A Comfort Advisor comes to your home, measures the space, checks your ductwork, and calculates the right system size for your home. You see the numbers — load, sizing, options. No pressure, no commission-driven upsells.
Your options and pricing
You get a written estimate with 2-3 system options at different price points. We explain the tradeoffs — efficiency, warranty, brand. You choose. We apply the rebate of up to $1,500 (on qualifying full system replacements) and walk you through 0% financing for 36 months if you want it. No surprise costs added later.
Installation
Most installs are done in 1 day for AC, furnace, or heat pump replacements. Larger projects with new ductwork or zoning take 2-3 days. We protect your floors, haul away the old system, and test everything before we leave. We don’t collect the final payment until the system is running and you’re satisfied.
New HVAC, no big upfront bill. Approved in 2 minutes.
Up to $1,500 Otter Guys rebate (on qualifying full system replacements). 0% financing for 36 months — plus longer 5-15 year terms tailored to your monthly budget. Available Dominion Energy utility rebates too. We walk you through every option at your free in-home estimate so you know exactly what your monthly payment would be before deciding.
Frequently Asked Questions
New HVAC systems in Charlottesville range from $4,500 to $18,000+ depending on what’s being replaced. With our rebate of up to $1,500 (on full system replacements) and 0% financing for 36 months, monthly payments typically run $85–$475 depending on the system. We walk through your specific monthly payment at the free estimate.
We’ll inspect your ductwork during the in-home estimate and tell you honestly what’s needed. If we find leaks or sizing issues, we’ll explain the options — sealing, modifying, or replacing problem sections — and quote each option in writing. Mini split installs skip ductwork entirely.
Standard policies don’t cover replacement due to age or normal wear. They sometimes cover damage from a sudden event (fire, flood, lightning strike). Some homeowners have separate equipment-breakdown coverage. We can document the failure if you want to file a claim.
We offer 0% financing for 36 months as our headline promotional option. We also offer longer financing terms of 5 to 15 years — we tailor the term to the monthly payment you’re comfortable with. Most homeowners are approved in about 2 minutes through our financing partner. We walk through your exact monthly payment at the free estimate. Plus our Otter Guys rebate of up to $1,500 (on full system replacements) comes off the total before financing.
Most AC, furnace, or heat pump replacements are completed in 1 day. Larger projects — new ductwork, zoning, multi-zone mini splits — take 2-3 days. We give you a specific timeline with your written estimate so you can plan around it. We protect your floors and haul away the old system at no extra charge.
Whatever’s going on with your heating or cooling, we’ve seen it before. Over 65 years, we’ve helped thousands of Central Virginia homeowners replace systems that were on their last legs and turn their homes back into the comfortable place they’re supposed to be. You don’t have to figure this out alone.