HVAC replacement financing in 2026
HVAC financing is the most developed of any home trade. Expect 0% APR for 18 to 24 months on qualifying systems, plus federal 25C tax credits up to $2,000 for heat pumps and $600 for high-efficiency AC and furnaces through 2032.
A typical US HVAC replacement costs around $9,000 in 2026 ($6,600 to $13,200).
Tax credits and rebates
Federal 25C: up to $2,000 for heat pumps, $600 for high-efficiency AC/furnace, $600 for biomass stoves, through 2032. IRA HEAR rebates add $2,000 to $8,000 in qualifying states for income-eligible households.
Lenders contractors typically work with
- Synchrony
- GreenSky
- Wells Fargo
- OptiFi
- Mosaic
- manufacturer captive (Carrier, Trane, Lennox)
Get a quote with financing details
Tell us your project and we'll match you with contractors who run promotional financing and know the credits and rebates in your state.
Request a financing-friendly quoteFrequently asked questions
Does the federal 25C credit work with financing?+
Yes. The credit applies to project cost, not to how you pay for it. File IRS Form 5695 with your tax return and reduce your tax bill by 30 percent of the project cost up to the per-category limit.
Can I stack manufacturer rebates with financing?+
Often yes, but manufacturer rebates frequently require purchase through a certified dealer using their captive financing program (Carrier Genesis Credit, Trane Credit Card). Read the rebate terms before financing.
Is HVAC financing tax-deductible?+
Loan interest on home-improvement financing isn't tax-deductible unless secured by your home (HELOC). The 25C tax credit is the meaningful tax benefit; it reduces taxes owed, not just deductions.