Financing is available for air conditioners through some financial institutions and through specific brands of air-conditioning units. Some states also provide rebates or incentives to consumers upgrading an HVAC system.
Synchrony Bank is a financial institution that provides financing for different types of HVAC systems, including those from Rheed, RUDD and York. Some air conditioner suppliers, such as Carrier, offer financing options for the purchase and installation of the units. As of 2015, Carrier offers several financing options through Wells Fargo Financial National Bank and provides information regarding cash rebates and various types of tax credit incentives.
Some states have special incentives for consumers that are upgrading to a new, more eco-friendly appliance. Customers can check the Energy.gov website to see what incentives are available locally.