HVAC Financing Options

FINANCING

0% HVAC Financing Through Wells Fargo

Upgrade to a new high-efficiency heating and cooling system now — and spread the cost with 0% APR for 60 months with equal monthly payments.¹

Available on qualifying Trane systems through participating dealers, with approved credit.

Special financing offer available through December 31, 2026.

An HVAC machine on the side of a residential home.

WHY FINANCE?

Upgrade Your Comfort Without Paying Everything Up Front

Don’t put comfort on hold. Financing through the Wells Fargo Home Projects® credit card lets you install a new HVAC system today and pay it off in predictable monthly payments – with no interest during the promotional period when you make the required equal payments.

Get The System You Need Now

Replace your HVAC system when you need it instead of delaying the project.

One Predictable Monthly Payment

Combine qualifying equipment and installation costs into one financed purchase.

Fast Credit Decisions

Apply securely through Wells Fargo, with many applicants receiving a decision quickly.

Pay It Off Early Anytime

Make additional payments or pay the promotional balance off early with no prepayment penalty.

Manufacturer rebates and other incentives may also be available on qualifying systems.

LOCAL OFFER

0% APR for 60 Months With Equal Monthly Payments

Available through participating Trane dealers on qualifying purchases with approved credit.

Amount Financed Approx. Monthly Payment
$10,000 $167
$15,000 $250
$20,000 $334
$25,000 $417
$30,000 $500

What You’ll Need to Apply:

Social Security Number or ITIN —  Income information — Email Address — Valid ID

Approval and available promotional plans are determined by Wells Fargo.

Important: This Is a Credit Card, Not a Traditional Installment Loan

HVAC financing through Trane and Wells Fargo is offered through the Wells Fargo Home Projects® credit card.

  • Required equal monthly payments are designed to pay the promotional purchase in full during the special-terms period.
  • If the promotional purchase is not paid as required, interest may be charged from the purchase date at the regular APR for Purchases.
  • The regular APR may also apply to certain fees and other transactions on the account.
  • Paying extra or paying the balance off early is allowed with no prepayment penalty.
Side view of a residential home on a bright day.

READY FOR A MORE COMFORTABLE HOME?

Talk with our team about your HVAC needs and learn which financing options may be available.

¹ Special financing offer. The Wells Fargo Home Projects® credit card is issued by Wells Fargo Bank, N.A., an Equal Housing Lender. Special terms apply to qualifying purchases charged with approved credit. The special terms APR will continue to 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%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 01/01/2026 and is subject to change. For current information, call 1-800-431-5921. Offer expires 12/31/2026.

All sales must be to homeowners in the United States. Void where prohibited. Valid on qualifying equipment only. Financing offers, plan availability, and purchase requirements may vary by dealer and location. Credit purchases subject to credit approval.

Wells Fargo Home Projects is a registered trademark of Wells Fargo Bank, N.A. Trane is a registered trademark of Trane Technologies. This page is provided for informational purposes and is not an offer of credit by this company.