Schwantes Heating and Air Conditioning provides several HVAC financing options for Minnesota homeowners through partnerships with Wells Fargo and other regional programs. Available financing types include:
Types of Financing
- HVAC Loans and Payment Plans: Flexible plans that spread the cost of systems over time, such as a 60-month term for a furnace replacement.
- Promotional Interest Rates: Qualified customers may access 0% interest if the purchase is paid in full within promotional periods (typically 12-60 months).
- Deferred Payment Plans: Options for no payments for 6-12 months, though interest may accrue after the deferral period.
- Equipment Leasing: Lower monthly payments without ownership, suitable for short-term needs.
State-Specific Programs
- PACE Financing (MinnPACE): 100% funding through property-assessed clean energy assessments, paid via property taxes.
- State Rebates: Incentives up to $1,200 for high-efficiency system improvements through the Minnesota Department of Commerce.
- Low-Interest Energy Loans: Specialized loans designed for energy-efficient upgrades.
Qualification normally requires a FICO credit score of 620 or higher, income verification, and proof of homeownership. Most applications offer quick approvals within 24-48 hours.
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