Upgrade Your Heating & Cooling System Today — Finance It with Ease

Get the comfort your home deserves now, with monthly

payments to match your budget.

Stop putting off replacing that old, unreliable system. With flexible financing through Wells Fargo, you can get the comfort you need now and spread the cost out over time.

Why Finance Your New System?

Replacing a furnace, AC, or complete comfort system is a big investment. Financing lets you upgrade without a big upfront hit to your savings.

Small Monthly Payments

No large lump sum needed — spread your investment out over time.

Upgrade To Higher Efficiency

New high-efficiency systems run more efficiently - saving you on energy cost while improving comfort,

Keep Your Savings Intact

You don't need to tap into your savings or emergency funds - let your budget handle the upgrade over time.

Why We Partner with Wells Fargo

We chose Wells Fargo as our financing partner because they offer flexible options designed for real homeowners and real budgets.

Trusted National Lender

Fixed-rate financing options for home improvements

Fast online application – many applicants receive a decision in just a few business days

Fast online application

Many applicants receive a decision in just a few business days

Unsecured options available

No home - equity required for many financing solutions.

Transparent terms

Flexible terms designed to fit a wide range of equipment cost and budgets.

HOW IT WORKS –

3-STEP PROCESS

Step 1

Choose Your System

We evaluate your home, assess your needs, and provide a detailed installation quote for the best system for your home and budget.

Step 2

Apply for Financing

You complete a quick, secure online application through Wells Fargo to get pre-qualified for financing.

Step 3

Install & Enjoy

After approval and funding, we schedule your installation. You enjoy better comfort and reliability now while you make convenient monthly payments over time.

Don’t Wait Until Your System Fails

A failing furnace or AC never picks a good time. Avoid emergency breakdowns and rushed decisions by planning your upgrade now.

Take the next step today — your future self (and your utility bill) will thank you.

FAQ

Q: How long does approval take?

A: With many Wells Fargo financing solutions, decisions are often available the same day or within a few business days.

Q: Do I need home-equity?

A:No — many options are unsecured personal loans or credit-card plans offered by Wells Fargo.

Q: What credit score do I need?

A: While eligibility depends on many factors, typical minimums start around a 640-660 FICO® score for the card or personal-loan programs.

Q: Is financing more expensive than paying cash?

A: Financing carries interest, but lets you move forward now and reap the benefits of a higher-efficiency system rather than waiting. You should compare total cost, monthly payment and energy savings.

LEGAL DISCLOSURE

*Financing subject to credit approval by Wells Fargo Bank, N.A., an Equal Housing Lender. Terms, conditions, and rates may vary and are subject to change. Special terms promotions may require qualifying purchases and approved credit. The monthly payment for qualifying purchases will be the amount that pays the purchase in full during the promotional period. New accounts have a higher APR for purchases if promotional terms expire. Current terms available at Wells Fargo Independence Heating & Cooling acts as a referral partner and does not make loan decisions or guarantee financing approval. Please review all financing documents carefully before signing.