Save more, comfortably

HVAC Rebates & Financing in O'Fallon & St. Louis

Name: Swiss Air Heating & Cooling
Address: 406 E Wabash St, O'Fallon, MO, 63366, US
Telephone: (636) 978-7800

High-efficiency comfort is more affordable than you'd think. Between Ameren Missouri and Spire rebates and flexible financing, Swiss Air Heating & Cooling helps you maximize every incentive and we handle the paperwork.

Utility Rebates (Ameren Missouri & Spire)

Ameren Missouri's PAYS program rebates qualifying high-efficiency heat pumps, air conditioners, mini-splits, smart thermostats, and duct sealing; Spire rebates high-efficiency gas furnaces, thermostats, and water heaters. We help you choose eligible equipment and handle the rebate paperwork so you don't leave savings on the table.

Verified current amounts and eligibility conditions are listed below, we confirm what your project qualifies for before you count on a figure.

Flexible Financing

Spread your investment into a low, predictable monthly payment, including 0% APR for 18 months on a qualifying new system install, with approved credit. Swiss Air offers financing through Service Finance Company, LLC (an FHA Title I lender with extended terms), Optimus (pre-qualify with no credit impact and instant approval, repairs and replacements, no homeownership required), and PACE.

Financing on approved credit; terms vary by lender and program.

Verified programs

Current rebates, program by program

Every figure below comes from the program's own published rebate charts. Real eligibility conditions apply to each one, we confirm what your project qualifies for before you count on a number.

Ameren Missouri

Pay As You Save (PAYS) Active

Air-source & dual-fuel heat pumps

Up to $2,500 per system

Ameren Missouri's PAYS program rebates qualifying air-source heat pumps rated 15.2+ SEER2, including dual-fuel heat pumps with gas backup and heat pumps replacing electric-resistance heat. Ground-source systems have their own, larger tier.

Qualifying 15.2+ SEER2 equipment (AHRI-rated)
PAYS program participation with a usage analysis, you must have lived in the home for the past 12 months
Existing unit at least 10 years old, rated 14 SEER or less, or no longer working
Homes with non-electric heat keep that fuel as primary or backup, the program does not fund fuel switching

Amounts and rules come from Ameren Missouri's published 2026 PAYS rebate charts and change by program year, we confirm current eligibility and amounts for your project before you count on a figure.

Ameren Missouri PAYS rebates

Pay As You Save (PAYS) Active

High-efficiency central air conditioners

Up to $1,000 per system

Qualifying central air conditioners rated 15.2+ SEER2 earn a PAYS rebate when they replace an aging or failed system, the rebate comes off the total cost of the upgrade.

Qualifying 15.2+ SEER2 equipment (AHRI-rated)
PAYS program participation with a usage analysis, 12 months in the home
Existing AC at least 10 years old, rated 14 SEER or less, or no longer working

Amounts and rules come from Ameren Missouri's published 2026 PAYS rebate charts and change by program year, we confirm current eligibility and amounts for your project before you count on a figure.

Ameren Missouri PAYS rebates

Pay As You Save (PAYS) Active

Ductless mini-split systems

$500 per ton

High-efficiency ductless mini-splits rated 19+ SEER2 qualify for a per-ton PAYS rebate, a genuine offset on the zone-by-zone systems that fit additions, bonus rooms, and homes without duct paths.

Qualifying 19+ SEER2 mini-split equipment (AHRI-rated)
PAYS program participation with a usage analysis, 12 months in the home
Replacement-eligibility conditions apply to the existing equipment

Amounts and rules come from Ameren Missouri's published 2026 PAYS rebate charts and change by program year, we confirm current eligibility and amounts for your project before you count on a figure.

Ameren Missouri PAYS rebates

Pay As You Save (PAYS) Active

Smart thermostats

$250 per thermostat

ENERGY STAR (or Ameren-approved) smart thermostats carry their own PAYS rebate, an easy add-on when new equipment goes in, and one of the most practical upgrades for part-time and lake homes.

ENERGY STAR certified or on Ameren's approved list
PAYS program participation

Amounts and rules come from Ameren Missouri's published 2026 PAYS rebate charts and change by program year, we confirm current eligibility and amounts for your project before you count on a figure.

Ameren Missouri PAYS rebates

Pay As You Save (PAYS) Active

Duct sealing & repair

50% of cost, up to $250 per home

Leaky ducts waste conditioned air and drag comfort down. Ameren's weatherization tier helps pay for duct sealing and repair that achieves a meaningful leakage reduction, often the highest-value fix in an older system.

Must achieve at least a 20% duct-leakage reduction
PAYS weatherization-tier participation

Amounts and rules come from Ameren Missouri's published 2026 PAYS rebate charts and change by program year, we confirm current eligibility and amounts for your project before you count on a figure.

Ameren Missouri PAYS rebates

Spire

Spire Missouri residential rebates Active

High-efficiency gas furnaces

$200 to $300 by efficiency tier

Spire rebates qualifying high-efficiency natural gas furnaces installed by a licensed contractor, $300 for 96%+ AFUE models and $200 for the 92 to 95.99% AFUE tier, with a similar rebate for 90%+ AFUE boilers.

Active Spire residential account at the installation address
Installation by a licensed HVAC contractor (self-installs are ineligible)
Program year runs October 1 through September 30; per-dwelling rebate limits apply

Amounts come from Spire's published Missouri residential rebate application (program year runs October-September) and are subject to program funding, we confirm what's current for your equipment before you count on a figure.

Spire rebates

Spire Missouri residential rebates Active

Smart thermostats (gas heat)

$75 per thermostat

Spire offers a rebate on ENERGY STAR Wi-Fi smart thermostats for gas-heated homes, stackable thinking: the electric and gas utilities each run their own thermostat programs, and we point you to the one your fuel setup qualifies for.

ENERGY STAR certified Wi-Fi smart thermostat
Active Spire residential account

Spire rebates

Spire Missouri residential rebates Active

Gas water heaters & tankless

Modest rebates by equipment type

Qualifying high-efficiency gas water heaters, including tankless units meeting the program's efficiency threshold, carry smaller Spire rebates. Not life-changing money, but real, and we handle the paperwork when your equipment qualifies.

Efficiency thresholds by equipment type (UEF-rated)
Installation by a licensed plumbing or HVAC contractor
Active Spire residential account; per-dwelling limits apply

Spire rebates

Payment estimator

What could a project feel like per month?

Pick a rough project amount and a financing example. This is a ballpark for planning, not a quote, and not an offer of credit. Your real price comes from an in-home visit, and your real terms come from the lender.

Amount financed$9,000

$3,000$25,000

Financing example

Estimated monthly payment

$500/mo

$9,000 over 18 months at 0% APR.

Get my real quote & terms Call (636) 978-7800

Estimates only, not an offer of credit. Financing is subject to credit approval, and actual rates, terms, and eligibility vary by lender and program. Swiss Air will confirm your exact terms in writing before any work begins.

See what your upgrade qualifies for

Get my free estimate Build & price a system

Rebate & financing questions

What HVAC rebates does Ameren Missouri offer? +

Ameren Missouri's Pay As You Save (PAYS) program offers rebates on qualifying high-efficiency HVAC equipment such as heat pumps, air conditioners, mini-splits, and smart thermostats. Real eligibility conditions apply, including equipment efficiency ratings and the age or condition of the unit being replaced. Swiss Air will confirm what your project qualifies for and handle the paperwork.

Can I combine rebates and financing? +

Often, yes. Many homeowners stack a utility rebate with low-monthly financing on the same upgrade, and where both Ameren and Spire programs touch a project (like a dual-fuel system with a smart thermostat), we point you to the program your fuel setup qualifies for. Swiss Air helps you sequence them to maximize total savings.

Does Swiss Air handle the rebate paperwork? +

Yes. We help you select eligible equipment and guide you through the rebate process so the savings actually reach you.

What financing options does Swiss Air offer? +

Swiss Air partners with Service Finance Company, LLC (an FHA Title I lender offering installment loans with extended terms), Optimus (pre-qualify without a credit impact, with instant approval for repairs and replacements, no homeownership required), and PACE. Current promotions include 0% APR for 18 months on a qualifying new system install, with approved credit.

Rebate and tax-credit details are provided for general information only and change over time. Confirm current rebate amounts with Ameren Missouri and Spire, and any tax-credit eligibility with a qualified tax professional.