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Top 10 Boiler Finance Providers in the UK (2024)

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Updated on

 Boiler Finance


Are you looking for the top boiler finance providers in the UK?

You’re about to find what you’re looking for.

Finding the best boiler finance provider can be difficult, especially with the variety of suppliers and term lengths available.

The good thing is that the UK government offers grants, such as the Boiler Upgrade Scheme (BUS), not just to help provide heating but also to encourage the shift to more low-carbon options.

In this guide, you’ll find out everything you need to know about the top finance providers in the UK, including their payment plans.

What’s in this guide?

The Top Boiler Finance Providers in the UK

1. BoilerPlan

Boiler Plan

Type: Boiler finance provider

Deposit: No deposit

Term: 36, 48, 60 and 120-month terms

APR: 9.9%

Trustpilot score: 4/5

BoilerPlan is a company with decades of experience with finance and boiler care. They provide not only cover plans but also help with purchasing a new boiler or replacement.

According to their website, you could be potentially saving over £150 on your boiler and installation by opting for one of their financial plans.

You can choose between buying your boiler now and paying for it later, an interest-free plan for a maximum of 24 months, paying for your boiler upfront, or a variety of plans with 36 to 120-month terms.

Buy now pay later

✔ Pay nothing for 12 months

✔ Free warranty


✔ Requires a deposit

✔ 12 and 24-month terms

✔ Free warranty

Flexible monthly plan

✔ Doesn’t need a deposit

✔ No exit fees

✔ Variety of terms to choose from

✔ Free warranty

Compare Quotes Now

2. HomeServe


Type: Boiler finance provider

Deposit: No deposit

Term: 12, 24, 36, 60, and 120 months

APR: 0% for 12 and 24 months, 11.9% for 36, 60, and 120 months

Trustpilot score: 4.9/5

HomeServe (formerly HelpLink) is a boiler finance provider that offers boiler installations, central heating, service, repairs. They also offer a wealth of experience and advice.

They provide finance packages, which include monthly repayments and interest-free credit.

With a 4.9/5 star rating on Trustpilot out of over 27,000 individual reviews, HomeServe is one of the highest rated boiler companies on the market today.

The company also offers a boiler leasing subscription plan called BOXT Life, with a 10-year term.

Monthly repayments

✔ No deposit required

✔ Minimum product amount is over £500

✔ Make additional payments

Interest-free credit

✔ Available for 12 and 24-month terms

✔ No deposit required

Compare Quotes Now

3. British Gas

British Gas

Type: Boiler finance provider

Deposit: No deposit

Term: 3, 5, 8 and 10 years

APR: 9.9%

Trustpilot score: 4.1/5

British Gas is one of the oldest and well-known companies in Britain with roots that stretch back hundreds of years. They’re one of the ‘Big Six’ energy companies, which capture over 90% of the energy customers in the UK.

For their central heating systems, you can either pay for your new boiler upfront, or you can choose to pay monthly.

Although British Gas has a mixed reputation online, they do offer many flexible purchase options.

Pay upfront

✔ Pay 10% upfront

✔ Only pay the rest after installation

✔ Pay via debit and credit card

✔ Fixed price costs

Monthly payments

✔ No deposit required

✔ Covers up to 100% of your boiler cost

✔ Variety of terms available

✔ Option to make extra payments when possible

✔ Minimum loan of £1,000

✔ 2, 3, or 4 years of interest-free credit options

Compare Quotes Now

4. EnergyCare Group

Energy Care

Type: Boiler finance provider

Deposit: No deposit

Term: 2 or 3 years

APR: 0%

Trustpilot score: 3.9/5

The EnergyCare Group is a boiler installer who can also offer their customers boiler finance, which can help you to secure the funding you need for your new boiler.

On offer is a monthly payment option, which can either be for two or three-year terms, that don’t require a deposit and have 0% interest.

Monthly payments

✔ 0% interest

✔ Half price discount

✔ No deposit required

✔ Inexpensive monthly repayments

✔ Save up to £340 annually

✔ 10-year warranty available

Compare Quotes Now

5. BoilerCentral


Type: Boiler finance provider

Deposit: No deposit

Term: 3, 5, 7, or 10 years

APR: 12.9% APR

Trustpilot score: 4.7/5

BoilerCentral was established in 2019 and also offers boiler installations and cover plans. They claim to be the first and only company to have 12-year warranties for some of their models, like Worcester Bosch boilers.

Not only do they offer the option to be able to pay your boiler upfront, but you can also choose between an interest-free plan for up to 2 years or a monthly payment plan which has an APR of 12.9%, but you can have terms of up to 10 years.

They also have a Buy Now Pay Later scheme spread over 12 months.

Pay upfront

✔ Don’t pay the remaining balance until after the installation

✔ Pay all of these fees instantly

Interest-free plan

✔ No deposit required

✔ 1- or 2-year terms

Monthly cost plan

✔ No deposit required

✔ First payments come after 20-30 days of installation

✔ Low monthly repayments

✔ Spread your costs

Compare Quotes Now

6. Swale Heating

Swale Heating

Type: Boiler finance provider

Deposit: 10% deposit

Term: 1, 3, 5 and 10 years

APR: 16.9% APR for 1 year and 14.9% for up to 10 years

Trustpilot score: 4.1/5

Swale Heating is a company that has over 45 years of experience supplying central heating systems to over 100,000 homes in the Midlands and Southern England and claim to give a high-quality service to their customers.

When it comes to boiler finance, they offer a range of possible options, such as paying for your boiler up front, buy now pay later, and a variety of term finance plans.

Pay upfront

✔ Pay a deposit of 75%

✔ Complete purchase after installation

✔ Free online estimate

Buy now pay later

✔ 10% deposit

✔ Pay after 12 months

✔ Deferred payments

Monthly payment plans

✔ 3, 5 and 10-year options

✔ 14.9% APR

✔ Spread your costs

✔ Manageable low monthly prices

Compare Quotes Now

7. TradeHelp


Type: Boiler finance provider

Deposit: No deposit

Term: 2 to 10 years

APR: 11.9%

Trustpilot score: 4.7/5

Established in 2014, TradeHelp aims to help small and medium-sized businesses by providing them the tools they need to grow. One of these tools is a financing payment plan for their customers.

For homeowners, TradeHelp offers either a deposit or no deposit boiler plan. Their website also offers a calculator to help you make an informed decision.

Monthy payments

✔ Minimum loan of £1,000

✔ Up to 84 months

✔ Authorised and regulated as a credit broker by the Financial Conduct Authority

Compare Quotes Now

8. Aura Heating

Aura Heating

Type: Boiler finance provider

Deposit: 25% deposit

Term: 12 to 120 months

APR: 0% for 12 months, 9.9% for up to 120 months

Trustpilot score: 4.6/5

Aura Heating (formerly Aura Gas) is a boiler specialist based in Southern England that offers a range of boiler services and products, such as new boilers, care plans, and boiler finance.

The boiler finance plans require a 25% deposit as standard, and you can choose between plans that stretch from 12 months to 120 months.

Your boiler will also be guaranteed for up to 12 years.

Monthly payment plans

✔ 0% interest

✔ Boiler guarantee for 12 years

✔ 25% deposit required

✔ Variety of term lengths available

✔ Free no obligation quote

✔ Grant options available

✔ Spread your costs

Compare Quotes Now

9. E.ON Energy


Type: Boiler finance provider

Deposit: No deposit

Term: 1, 2 and 3 years

APR: 0% for up to 2 years, 7.9% for up to 10 years

Trustpilot score: 4.2/5

E.ON is one of the Big Six energy companies in the UK, owns most of the energy market share, and powers millions of households across the country.

They offer a range of finance options, including being able to pay upfront and monthly repayments that can either be with a deposit or without.

0% interest without deposit

✔ Spread the cost

✔ Low monthly payments

✔ Borrow up to £10,000

0% interest with deposit

✔ 50% deposit

✔ Low monthly repayments

✔ 1-, 2- or 3-year terms

7.9% APR with no upfront payment

✔ No deposit required

✔ Borrow up to £10,000

✔ Spread the cost over 10 years

Compare Quotes Now

10. GreenStar Services


Type: Boiler finance provider

Deposit: No deposit

Term: 6 to 48 months

APR: 10.9%

Trustpilot score: 4.8/5

GreenStar has been around since the 1990s and specialises in heating and drainage for your home, with an excellent customer reputation online and a variety of options available.

When it comes to securing finance for your new boiler, there are many term lengths to choose from, which all come with a 10-year warranty for your boiler.

✔ 0% interest for up to 48-month packages

✔ Variety of terms available

✔ 10.9% APR for up to 120-month packages

✔ 12-year warranty for boilers

✔ Experienced supplier of central heating

✔ Accredited Worcester installer

Compare Quotes Now


How much is a new boiler?

On the lower end, a boiler will traditionally cost around £500, whereas on the higher end you can expect to pay over £2,000 for a new boiler.

The exact pricing will depend on many factors, including the size of your home, your hot water requirements, and the quality of the components that make up your boiler.

For instance, a 12kW boiler might cost £500 or under, but it is only suitable to heat a one-bedroom flat with one bathroom.

On the other hand, a 30kW boiler might cost over £1,500, but it is powerful enough to be able to heat a three- or four-bedroom home, with up to two bathrooms.

A system boiler might be more expensive because you need a hot water cylinder, whereas with a combination boiler you don’t need a cold water tank or a cylinder.

Can I get help paying for my boiler?

Depending on your situation, you could be eligible to have your old boiler replaced for free or at least heavily subsidised, so you don’t have to pay the full amount.

This depends on whether you fit within these categories:

  • You are on benefits
  • You are a homeowner
  • Your boiler is over 5 years old

The amount that you will be able to benefit from will depend on specific circumstances, such as the energy efficiency of your home, which might require an assessment.

Do I need to pay for my boiler upfront?

If you aren’t eligible for a boiler grant, there are other finance options available.

Boiler finance providers will typically give you the option to pay for your boiler monthly, which in some cases doesn’t require an initial deposit or upfront costs.

Sometimes, you can also choose a buy now and pay later (BNPL) plan, which means you purchase your boiler now, but you won’t need to pay for it for around 12 months or another agreed period.

Who offers the best boiler finance?

The best boiler finance provider for you will depend on many different factors, which include the following:

  • The company’s reputation
  • Their customer service availability
  • The flexibility of their finance options
  • Whether you can afford a deposit
  • Warranty options for your boiler
  • Your supplier’s experience with boilers
  • Their APR or interest rate

How long do boilers typically last?

With the correct care, your boiler can typically last approximately 15 to 20 years, but you should try and ensure that you get your boiler regularly serviced to make sure it lasts as long as possible.

An annual service will usually include checking for leaks and corrosion, testing the pressure is correct, and making sure that your boiler is working as efficiently as possible.


In conclusion, there is a wide variety of boiler finance providers on option for you today, as well as customisable choices, such as the term of your boiler finance and the APR.

If you want to learn more about boilers and suppliers, you can check out the Ecopreneurist guides here, or you can fill out the form at the top of the page for a custom quote.

Written By

Georgia Photo


Georgia is passionate about environmental technology, and is a cherished Ecopreneurist regular writer.

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