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Wells Fargo Home Projects

Wells Fargo HVAC Financing

Finance your HVAC installation through the Wells Fargo Home Projects credit card. Works with any heat pump brand we install. Two plans: 0% APR for 12 months (if paid in full) or 9.99% APR with 96 equal monthly payments.

Updated February 11, 2026By Editorial Staff

Two Plans Available

Plan A

0% APR for 12 months

Min $1,000 • Paid in full

Plan B

9.99% APR × 96 months

Min $7,500 • Equal payments

Any heat pump brand. Approved credit required. Terms subject to change.

Plan Details

Wells Fargo Plan Details

Plan A: 0% APR for 12 Months

Best if you can pay the full balance within a year

Promotional APR
0% for 12 months
Condition
Paid in full within promotional period
Minimum Purchase
$1,000
Equipment
Any heat pump brand
Standard APR
28.99% for purchases

How This Plan Works

No interest is charged if you pay the full purchase balance within 12 months. Divide your total by 12 and pay that amount each month. If any balance remains after the promotional period, interest is charged retroactively from the original purchase date at 28.99% APR.

Important: Paying only the minimum monthly payment will not pay off the purchase balance before the end of the promotional period. Budget for the full payoff to avoid deferred interest.

Plan B: 9.99% APR with 96 Equal Payments

Best for larger projects with predictable payments

Fixed APR
9.99%
Term
96 equal monthly payments
Monthly Factor
1.5228% of original balance
Minimum Purchase
$7,500
Equipment
Any heat pump brand

How This Plan Works

The 9.99% APR applies for the entire 96-month term. Each monthly payment equals 1.5228% of the original special terms balance. The APR and payment amount stay fixed until the qualifying purchase is paid in full.

Application Steps

How the Wells Fargo Application Works

1

Get a free estimate from UniColorado for your HVAC installation.

2

During the estimate process, let us know you’d like to apply for Wells Fargo financing.

3

Complete the credit card application. You’ll see the general terms. The promotional rate is confirmed at delivery.

4

Your account is charged at the time of equipment delivery and installation completion. No physical card needed.

5

Sign an e-sign document confirming the financing plan and delivery of services.

Important Legal Information

*The Carrier® credit card is issued by Wells Fargo Bank, N.A., an Equal Housing Lender. Special terms apply to qualifying purchases of $1,000 or more charged with approved credit. Minimum monthly payments are required during the promotional (special terms) period. Interest will be charged to your account from the purchase date at the APR for Purchases if the purchase balance is not paid in full within the promotional (special terms) period. Paying only the minimum monthly payment will not pay off the purchase balance before the end of the promotional period. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 05/01/2024 and is subject to change. For current information, call us at 1-800-431-5921.

**The special terms APR of 9.99% will apply to the qualifying purchase, and 96 monthly payments equal to 1.5228% of the original special terms balance are required. The advertised terms are an estimate assuming required monthly payments are made on the payment due date; no other balances are currently carried or will be carried on the account; and no additional charges are or will be added to the account. The special terms APR will continue to apply until all qualifying purchases are paid in full. The APR for Purchases will apply to certain fees such as a late payment fee or if you use the card for other transactions. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 05/01/2024 and is subject to change. For current information, call us at 1-800-431-5921.

Exploring Other Financing Options?

Wells Fargo works with any heat pump brand we install. If you need longer terms or different requirements, we have additional options:

Frequently AskedQuestions

Wells Fargo Financing Questions

0% for 12 Months or 9.99% for 8 Years

Works with any heat pump brand we install. Apply through UniColorado during your estimate - no separate bank visit needed.