Pay over time
HVAC Financing0% APR options.
Short answerCool Season offers financing through Wells Fargo and the Carrier credit card program, including 0% APR plans, subject to credit approval. Every new-system estimate shows the monthly payment for each option next to the pay-in-full price, and you can apply right from the estimate.
Financing at a glance
- Lenders
- Wells Fargo · Carrier credit card
- Plans
- Including 0% APR
- Apply
- From your estimate
- Approval
- Subject to credit
- Estimate
- Free, written
How it works
- Get your estimateGood, Better and Best options with monthly payments shown.
- Choose financingPick an option and choose financing instead of pay in full.
- Apply onlineA short application through the lender, usually with a quick decision.
- InstallWe schedule the install once you are approved.
What you can finance
New air conditioners, furnaces, heat pumps and complete systems. Terms and promotional offers vary and are shown by the lender before you accept. Financing is subject to credit approval.
Questions we hear
Do you offer 0% financing?
Yes. 0% APR plans are available through our lenders, subject to credit approval. Terms vary by plan.
Which lenders do you use?
Wells Fargo and the Carrier credit card program.
Where do I see the monthly payment?
On your estimate. Each option shows the monthly payment next to the pay-in-full price.
Prices and details reviewed November 2026.
New system, monthly payments
Free written estimate with financing options for each choice.