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Financing

Comfort now, pay over time.

A new furnace, AC, or heat pump is a big investment. We offer financing through Wells Fargo with a Bryant credit card — and pair it with the rebates that lower your total cost.

Financing is available through Wells Fargo with a Bryant credit card. We'll walk you through the application and pair it with any 2026 rebates you qualify for. We don't publish specific rates or terms here — those are set by the lender at approval, based on your credit.

How it works

Three simple steps.

1

Get your free estimate

We assess your home and give you an honest, written, no-surprise estimate — and show you every rebate you qualify for.

2

Apply through Wells Fargo

We'll walk you through applying for the Bryant credit card, backed by Wells Fargo. Your rate and terms are set by the lender at approval.

3

Stay comfortable, pay over time

Once you're approved, we schedule the install — and you spread the cost over time instead of paying it all at once.

What you can finance

Cover the whole project.

New furnaces

High-efficiency heating for Minnesota winters.

Air conditioners

Cooling built for hot, humid summers.

Heat pumps

Year-round efficiency — pairs with 2026 rebates.

Indoor air quality

Filtration, humidity control, and more.

Lower the amount you finance. Before you apply, let us find every rebate you qualify for — it reduces the total you need to cover. Explore the Minnesota Rebate Maximizer →

Apply online

Ready when you are.

Wells Fargo · Bryant credit card

Apply for the Bryant credit card

Backed by Wells Fargo. Get a decision, then let us schedule the install once you're approved. Rate and terms are set by the lender at approval, based on your credit — we don't set or publish them here.

Not sure which route fits?

Talk to us first

We'll walk you through your options, show you which 2026 rebates apply, and only then look at what you'd finance. It's the honest way — no pressure to apply for anything you don't need.

Financing FAQs

Common questions.

Who provides your HVAC financing?
Financing is available through Wells Fargo with a Bryant credit card. We'll help you apply, and your rate and terms are set by Wells Fargo at approval based on your credit — we don't set or publish rates ourselves.
What can I finance?
Financing can cover a new furnace, air conditioner, heat pump, or indoor air quality system — including installation. Ask us and we'll go over what your project can include.
Can I combine financing with rebates?
Yes — many homeowners pair financing with stacked 2026 federal, Xcel, and Minnesota rebates to make a high-efficiency upgrade affordable. We help you capture the incentives you qualify for so your net cost is as low as possible.
Ready when you are

Ready to make comfort
affordable?

Call 507-299-0243 and we'll walk you through financing and pair it with every rebate you qualify for.

Got a quote from another company?

We'll review any HVAC quote you've received — free, with no obligation and no pressure.

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