HVAC Financing
We know maintaining a home can be expensive. At Carrier, we’re committed to helping you get the best possible heating and cooling system by offering HVAC financing options with convenient monthly payments.
We understand that everyone’s financial situation is different. We offer several ways to help you pay for your new system and find the best rebates, so making this investment is as easy as possible.
Smart Ways to Invest in Comfort
Talk to your local Carrier dealer about special financing plans, including 0% APR for 60 months.1 See bottom of the page for financing terms.
Save up to $2,100 in Cool Cash rebates when you purchase a qualifying heating or cooling product before Cool Cash ends2 to get in on the savings. Contact your local Carrier expert for complete details.
HVAC Financing
HVAC Financing, with approved credit, through Wells Fargo Bank, N.A. is simple. They offer a wide range of plans1 with features like:
- Convenient monthly payments
- Competitive interest rates
- Online bill pay
Fill out a simple application or to learn more about special promotions, contact a participating local Carrier expert.
If you’re concerned about your ability to qualify for traditional HVAC financing due to a low credit score or past financial challenges, Microf has flexible lease-to-own options.3
- Simple application process
- Quick response time
- Near-real-time decisions
- Convenient and affordable monthly renewal payment options based on 36, 48, or 60 months to ownership
Get money back, or credit from Uncle Sam, for your investment.
You may be eligible for savings through state and local government rebates, or by purchasing during Carrier’s select promotional times.
See if you qualify for tax credits on HVAC equipment bought for your primary residence.
Learn more about how Carrier can help you save on energy costs.
HVAC Financing Through Local Experts
Our Carrier Authorized Dealers are the best in the business and many offer robust HVAC financing plans.
Keep Exploring
Our patented HVAC technology can provide ultra-high efficient operation, which may help you save on your energy costs.
This is where innovation happens—our research and development teams, along with engineers, designers, and quality control, work to innovate and build equipment that helps you create your ideal home comfort.
We have touched lives all across the country and are committed to giving back to the communities we serve.
We incorporate sustainability into everything we do—to do right by the planet and our employees, communities, customers, and shareholders.
1The Carrier credit card is issued by Wells Fargo Bank, N.A., an Equal Housing Lender. Special terms for 5 years (60 months) apply to qualifying purchases charged with approved credit. The special terms APR will apply until all qualifying purchases are paid in full. The monthly payment for this purchase will be the amount that will pay for the purchase in full in equal payments during the promotional (special terms) period. The APR for Purchases will apply to certain fees (such as a late payment fee) or if you use the card for other transactions. For new accounts, the APR for Purchases is 28.99%. Current cardholders should refer to their credit card agreement for details, including APR and applicable fees. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is subject to change; for current information, visit wellsfargo.com/plccterms (PDF). Offer expires 11/29/2025.
2For a limited time only, homeowners may qualify for a Cool Cash rebate by purchasing qualifying Carrier equipment between September 8 and November 29, 2025. Equipment must be installed, and claims submitted by 6:00 p.m. CST on January 9, 2026. Must purchase a complete Carrier system with accessories to reach $2,100 in rebates.
3Must have valid ID, active bank account and steady income. Ask for details. Financing is not provided by Carrier, and Carrier does not make any recommendation or assurance as to whether financing or a specific financing company is right for you. Credit is subject to approval by the independent lender. For questions about financing fees, payment options, or APR, please contact your independent Dealer directly.
