Financing Options Designed For You

Smart Ways to Invest in Comfort

Enjoy the flexibility of special financing, plus upfront savings with Cool Cash rebates. Two smart ways to make comfort more affordable.

Talk to your local Carrier dealer about special financing plans, including 0% APR for 60 months.¹ Save up to $2,100 in Cool Cash rebates when you purchase qualifying heating or cooling product before Cool Cash ends² to get in on the savings.

Talk With A Local Expert

Carrier dealers provide different pathways to make owning a high-quality HVAC system achievable. With approved credit through Wells Fargo Bank, N.A., they offer a wide range of plans.¹ Each one is designed to provide competitive interest rates, convenient monthly payments, and a streamlined process that includes online bill pay.

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If traditional financing isn’t an option, Carrier dealers offer a lease-to-own solution through Microf.² This program is designed for individuals with lower credit scores or past financial challenges. With an easy application process, fast decisions, and convenient, affordable monthly payment options, you can work towards ownership on terms that suit your budget.

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Rebates

Carrier offers special promotions for customers during select times of the year., including Cool Cash Rebates now through May 31. Save up to $2,100 in Cool Cash rebates when you purchase qualifying heating or cooling products.² Additionally, many state and local governments also offer rebates through local utility companies for purchasing energy-efficient HVAC systems. These rebates ensure that upgrading your home with reliable Carrier equipment is a cost-effective decision with a worthwhile return.

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HVAC Financing Through Local Experts

When it comes to financing, you don’t have to go at it alone. Our Factory Authorized Dealers are experts in both HVAC solutions and assisting with financing options. They’ll work with you to find a plan that fits your needs, ensuring that the process is seamless and stress-free.

Factory Authorized Dealers

Have questions about financing options?

Find a local expert

Our dealers are happy to help.

We know it can all seem overwhelming. Your local Carrier dealer will listen to your needs, identify the best approach, and then create a solution that’s right for you.

NOTES:

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). Financing may be combined with Cool Cash rebates only when the equipment is installed by a Carrier Factory Authorized Dealer.. Ask for details. Offer expires 5/31/2026. .

²For a limited time only, homeowners may qualify for a Cool Cash rebate by purchasing qualifying Carrier equipment between March 1 and May 31, 2026. Equipment must be installed, and claims submitted by 10:59 p.m. CST on June 30, 2026.