0% HVAC financing makes
comfort possible today

Contact your dealer to ask about current financing options. Your dealer will then guide you through the application process. Trane financing offers are provided by Wells Fargo to customers with approved credit.

You will need your social security number or individual taxpayer identification number, income information (such as pay slips or a W-2), and email address to complete the application.

In general, you will need a Good, Very Good, or Exceptional credit score of 670 or higher to qualify for the Wells Fargo Home Projects credit card.

Not if you have a good credit score and a monthly income that will allow you to pay each equal monthly payment in full. 

Yes. You can roll labor costs and HVAC equipment costs into your financed amount total.

Yes. You can finance the total cost, including labor. 

It can. Some dealers may offer multiple financing options. The only way to know for sure is to ask.

If you are offered both options, you should know that choosing between 0% APR and reduced monthly payments is a trade-off between total cost and cash flow. Choose the 0% APR if your goal is the lowest total cost and you can afford a higher monthly payment. Choose reduced monthly payments if you need budget flexibility, even if it means paying more overall due to higher interest rates.

HVAC financing through Trane and Wells Fargo is a credit card. You should plan to make equal monthly payments in an amount that will bring the balance to $0 by the end of the promotional period. If you don’t pay it off on time, you will have to pay accrued interest charges from the purchase date at an APR of 28.99%.

Financing your new HVAC system can provide you with the home comfort you need today while offering equal monthly payments to spread the cost over several years. It can be well worth it if you pay the balance off on time. 

Yes. Much like many retailers charge you a credit card processing fee, an HVAC company may raise the overall cost of HVAC replacement due to dealer’s fees, origination fees, and more. Talk with your dealer about specifics.  

If you have paid off the balance in full, you can close the Wells Fargo Home Projects credit card. If you still have a balance at the end of the promotional period, you will need to pay accrued interest charges from the purchase date at an APR of 28.99%. This is why it is important to pay the full amount each month. 

If you have paid off the balance in full, you can close the Wells Fargo Home Projects credit card. If you still have a balance at the end of the promotional period, you will need to pay accrued interest charges from the purchase date at an APR of 28.99%. This is why it is important to pay the full amount each month. 

Yes. You can make more than the required monthly payment on your Wells Fargo Home Projects credit card with no prepayment penalty. Or you can pay the remainder owed in a lump sum. You might not be able to do this with a personal loan. 

You might pay slightly less for a new HVAC unit or system if you pay cash. But a new HVAC system can be expensive. Don’t pay cash if it will wipe out your emergency savings. Consider making a down payment to reduce your monthly payments if that is an option.

This is a personal decision. As already discussed, dealer financing is essentially a credit card. A personal loan may have higher interest rates, a prepayment penalty, and other fine print you need to be aware of.

A Wells Fargo Home Projects credit card is a promotional credit card. A HELOC, or Home Equity Line of Credit, is like a second mortgage. It uses your home as collateral. HELOCs generally have adjustable rates, so your monthly payment could go up if interest rates rise.