Last Updated on November 10, 2026
Boiler advice · Ways to pay · Checked November 2026
Get your fixed boiler price first, then choose how to pay: 0% APR over 12 or 24 months on selected boilers, or lower monthly payments over up to 10 years at 11.9% APR. Credit is subject to status.
4.6 on Trustpilot · over 650 reviews (November 2026)- ✔ 0% APR on selected boilers
- ✔ Up to 120 months at 11.9% APR
- ✔ Optional deposit up to 50%
- ✔ Gas Safe registered: 973154
From the finance calculator in our online boiler quote, 9 Nov 2026. How to read it: compare the total amount payable, not just the monthly figure.
When a boiler breaks down, it rarely picks a convenient moment. Boiler finance lets you get a new boiler fitted now and spread the cost over monthly payments, instead of finding a lump sum overnight. This guide explains our finance options, shows real examples and tells you exactly what to compare before you apply.
Contents
- 1 Quick answer
- 2 Finance options at Eco Happy
- 3 Representative example
- 4 How to compare boiler finance offers
- 5 How the application works
- 6 What’s being financed
- 7 Can I get boiler finance with bad credit?
- 8 Important information
- 9 What our customers say
- 10 Boiler finance FAQs
- 11 Get your boiler now, pay monthly
Quick answer
Quick answer
Yes. Eco Happy offers boiler finance through a panel of lenders: 0% APR over 12 or 24 months on selected boilers, or 36, 60 or 120 months at 11.9% APR. Payments start from £26.90/mo (Vitodens 025, 11.9% APR, 120 months, £0 deposit). A deposit is optional, up to 50%. Subject to status.
Representative example: cash price £2,474.96 (Worcester Bosch Greenstar 4000 25kW). Deposit £0. Amount of credit £2,474.96. 120 monthly payments of £34.51. Total amount payable £4,141.20. Total charge for credit £1,666.24. Representative 11.9% APR. Eco Happy Installs Limited (FRN 1051640) is a credit broker, not a lender, working with a panel of lenders.
Finance options at Eco Happy
0% APR on selected boilers
12 or 24 months
Pay back only what you borrow, with no interest. Available on selected boilers only (for example the Greenstar 4000, not the Vitodens 025). Monthly payments are higher because the term is shorter.
Low monthly payments
36, 60 or 120 months
Spread the cost over up to 10 years at 11.9% APR. Smaller monthly payments, but you pay interest, so the total is higher.
A deposit is optional, up to 50% of the price, to reduce what you borrow. The finance calculator in your quote lets you try different deposits and terms before you apply. Monthly payments may vary by ±2p.
Representative example
Worcester Bosch Greenstar 4000 25kW · £0 deposit · 120 months
Cash price £2,474.96 (Worcester Bosch Greenstar 4000 25kW). Deposit £0. Amount of credit £2,474.96. 120 monthly payments of £34.51. Total amount payable £4,141.20. Total charge for credit £1,666.24. Representative 11.9% APR. Duration of agreement 120 months. Early settlement fee £29.
From the finance calculator in our online boiler quote, 9 Nov 2026. Monthly payments may vary by ±2p. Credit is subject to status, affordability and lender approval.
What our boilers cost monthly: examples with no deposit
| Boiler (fixed price fitted, inc. VAT) | Term | APR | Monthly payment | Total amount payable | Total interest |
|---|---|---|---|---|---|
| Viessmann Vitodens 025 28kW · £1,928.99 | 36 months | 11.9% APR | £63.42 | £2,283.12 | £354.13 |
| Viessmann Vitodens 025 28kW · £1,928.99 | 60 months | 11.9% APR | £42.23 | £2,533.80 | £604.81 |
| Viessmann Vitodens 025 28kW · £1,928.99 | 120 months | 11.9% APR | £26.90 | £3,228.00 | £1,299.01 |
| Worcester Bosch Greenstar 4000 25kW · £2,474.96 | 12 months | 0% APR | £206.25 | £2,474.96 | £0 |
| Worcester Bosch Greenstar 4000 25kW · £2,474.96 | 24 months | 0% APR | £103.12 | £2,474.96 | £0 |
| Worcester Bosch Greenstar 4000 25kW · £2,474.96 | 36 months | 11.9% APR | £81.37 | £2,929.32 | £454.36 |
| Worcester Bosch Greenstar 4000 25kW · £2,474.96 | 60 months | 11.9% APR | £54.18 | £3,250.80 | £775.84 |
| Worcester Bosch Greenstar 4000 25kW · £2,474.96 | 120 months | 11.9% APR | £34.51 | £4,141.20 | £1,666.24 |
Greenstar 4000 25kW (£2,474.96): cash price vs total amount payable by term
How to compare boiler finance offers
Two offers with similar monthly payments can cost very different amounts in total. Check these five things on every finance quote:
- Cash price: the fixed price for the boiler and installation if you paid today.
- Deposit: how much you pay upfront.
- Monthly payment and number of payments: how much and for how long.
- Total amount payable: everything you’ll pay by the end, including any deposit.
- Early settlement: whether you can pay off early and any fee (ours is £29).
Check what you’re financing
A cheap monthly figure on a boiler-only price isn’t a like-for-like comparison. Make sure the cash price is a full supply-and-fit price. Ours includes the boiler, flue, Gas Safe installation, chemical flush, magnetic filter, wireless controls, removal of your old boiler and certification. See what’s included.
How the application works
Get your fixed price
Answer a few questions about your home and pick your boiler. It takes about 30 seconds to start.
Choose your finance
Open the finance calculator, choose your deposit (if any) and term, and see your monthly payment.
Apply and book
Complete a short application. Once approved, pick your install date, often as soon as the next day.
What’s being financed
Your finance covers your full fixed installation price including VAT. That means the boiler and everything in our standard package, plus any extras you add at checkout, such as a smart thermostat upgrade (from £129) or a vertical flue (£400).
For full prices and inclusions, see our new boiler cost guide and our combi boiler installation page. Not sure which boiler you need? Read what type of boiler do I need.
Can I get boiler finance with bad credit?
Every application is assessed by the lender on status and affordability, so we can’t promise approval. As a credit broker, we can introduce you to a panel of lenders, which can give you more than one route to approval. If finance isn’t right for you, you can pay in full at checkout instead.
How much can I borrow?
You can borrow from £1,000 for a new boiler, with no upper limit on the amount. Credit is subject to status and affordability, and the lender decides how much it will lend you.
Important information
- Finance is subject to status, affordability and lender approval.
- Applying involves a credit check by the lender, which may be recorded on your credit file.
- Missing payments could affect your credit rating and make future borrowing harder.
- Eco Happy is a credit broker, not a lender. We introduce you to a panel of lenders and don’t make the lending decision.
What our customers say
★★★★★
“Competitive price, good communication, installer was on time, removed old boiler installed new one and you would never know he had been, unless you looked at the new boiler.”
“Competitive price” · Trustpilot, Jul 2026
Rated 4.6 out of 5 from over 650 reviews on Trustpilot (November 2026). Read all reviews, good and bad →
Boiler finance FAQs
Can I get a new boiler on finance?
Yes. Eco Happy offers boiler finance through a panel of lenders: 12 or 24 months at 0% APR on selected boilers, or 36, 60 or 120 months at 11.9% APR. Finance can cover the full fixed installation price and is subject to status, affordability and lender approval.
Do I need a deposit for boiler finance?
No. A deposit is optional. You can put down up to 50% of the price to reduce the amount you borrow and your monthly payments.
How long can I spread the payments?
From 12 months up to 120 months (10 years). 12 and 24 months are at 0% APR on selected boilers; 36, 60 and 120 months are at 11.9% APR.
How much are the monthly payments on boiler finance?
They start from £26.90/mo (Vitodens 025, 11.9% APR, 120 months, £0 deposit), a total of £3,228.00. A Greenstar 4000 at £2,474.96 is £103.12 a month over 24 months at 0% APR. Payments may vary by ±2p. Representative example: cash price £2,474.96 (Worcester Bosch Greenstar 4000 25kW). Deposit £0. Amount of credit £2,474.96. 120 monthly payments of £34.51. Total amount payable £4,141.20. Total charge for credit £1,666.24. Representative 11.9% APR. Eco Happy Installs Limited (FRN 1051640) is a credit broker, not a lender, working with a panel of lenders.
Are there any fees for boiler finance?
There’s no fee to get a quote or use the finance calculator. If you repay your agreement early, a £29 early settlement fee applies. Your credit agreement lists every charge.
Can I pay off boiler finance early?
Yes. You can settle your boiler finance early at any time, and a £29 early settlement fee applies. Your credit agreement sets out the exact terms.
Does applying for boiler finance affect my credit score?
Getting a quote and using the finance calculator doesn’t. Submitting a finance application means the lender runs a credit check, which may be recorded on your credit file.
What if my boiler finance application is declined?
You can still go ahead by paying in full at checkout, or call us on 0114 387 7066 to talk through your options.
Get your boiler now, pay monthly
See your fixed price and your monthly payment side by side in minutes, with no deposit needed.
Prefer to talk? Call us on 0114 387 7066.
Eco Happy Installs Limited (FRN 1051640) is a credit broker working with a panel of lenders. We are authorised and regulated by the Financial Conduct Authority as a credit broker, not a lender. The availability of finance and the terms offered will depend on your individual circumstances. Credit is subject to status, affordability and lender approval. Terms and conditions apply.
