A new HVAC system is a significant investment, and an unexpected repair can strain any budget. That’s why Sanders Heating & Cooling offers multiple financing options through Wells Fargo to help you get the comfort you need without the financial stress.
New System: 0% APR for 72 Months
Our most popular financing option for new installations is 0% APR for 72 months through the Wells Fargo Home Projects® credit card. That means you can install a brand-new Trane or RunTru system today and pay it off over six years with zero interest. Monthly payments start as low as $135 depending on the system. There’s no down payment and no prepayment penalties.
Repair Option A: 12 Months No Interest
For moderate repairs, our 12-month deferred interest plan lets you pay no interest if the balance is paid in full within 12 months. Minimum monthly payments are required, but if you pay it off in time, you pay zero interest. A $1,500 repair works out to about $53/month minimum.
Repair Option B: 9.90% APR for Up to 70 Months
For larger or unexpected repairs over $1,000, our fixed-rate plan at 9.90% APR gives you predictable monthly payments for up to 70 months. A $3,000 repair comes out to approximately $57/month — manageable for most household budgets.
How to Apply
The process is fast: we send you a secure link via email or text, you apply online in minutes, and most applicants get an instant credit decision. Our Service Support Coordinator walks you through the entire process. Visit our financing page for full details and to apply.
