Sheboygan County · Financing & rebates
HVAC financing. Buy today, pay over time.
A furnace does not fail on a convenient schedule. Financing lets you put in the right system now and pay for it monthly, and rebates can take a real bite out of the total. Here is how both actually work.
- Carrier Factory Authorized Dealer
- Financing applications answered quickly
- Rebates handled with your quote
- Locally-owned since 2008
Wells Fargo financing
Buy today. Pay over time.
Financing through Wells Fargo gives you a revolving line of credit you can use again and again, special financing options tied to our Good / Better / Best system choices, monthly payments designed to fit your budget, and easy online account access. The credit card is issued with approved credit by Wells Fargo Bank, N.A., an Equal Housing Lender. Financing subject to credit approval.
How this works
Six things to know before you finance a system
You get the quote first
Financing is a way to pay for a job, not a reason to pick one. We work out what the house needs and put a price in writing. Only then does it make sense to talk about how you pay for it.
You apply through the lender, not through us
HVAC financing runs through consumer lenders that specialize in it, and the credit decision is theirs. We hand you the application, you fill it in, and the answer normally comes back the same day. We never see your credit file.
The offers move, so we confirm them at quote time
Promotional rates, term lengths and rebate amounts change through the year and sometimes month to month. We will not print a number here that might be stale by the time you read it. What you get instead is the current terms, in writing, with your quote.
We do the rebate paperwork for you and take the rebates off the invoice
Manufacturer and utility rebates almost always need the model and serial numbers, a dated invoice and a form filed inside a window after installation. We know which ones apply to what we installed and we do not leave you to work it out from a PDF.
Efficiency is where financing earns its keep
The system that qualifies for the rebates is usually the one with the lower running cost too. When a higher-efficiency system is financed, part of the monthly payment is covered by the money you stop sending the utility. We will show you both figures rather than just the sticker.
No pressure to finance
Plenty of people pay outright and that is fine. Nobody here is paid more because you took a payment plan.
Three ways people pay for a system
Check, financed, or credit card with rebates
None of these is the clever one. They suit different situations. Same price no matter the payment method.
| What you are comparing | Pay in full | Finance it |
|---|---|---|
| What you pay up front | The whole job | Little or nothing, then monthly |
| What it takes to arrange | Nothing | A credit application, usually answered same day |
| How fast you can go ahead | As soon as equipment is available | Same, once the application is approved |
| Effect on which system you can pick | Budget decides | Opens up higher-efficiency equipment |
| When it makes sense | You have the cash and want it done | The old system failed and the timing is not yours |
| What we need from you | A signature on the quote | The application, then a signature |
Where the money comes off
Four kinds of help, and they stack
Rebates come from a few different places and they are not mutually exclusive. A high-efficiency heat pump can attract a manufacturer rebate and a utility incentive on the same installation.
Manufacturer rebates
Carrier runs seasonal rebate programs on qualifying equipment, usually on higher-efficiency models and matched systems rather than base units. As a Factory Authorized Dealer we know which ones are live and which of them your quote qualifies for.
Heating systems
Utility and state programs
Wisconsin utilities and the state's Focus on Energy program offer incentives on qualifying high-efficiency equipment, heat pumps especially. They are tied to specific model numbers and efficiency ratings, and they have filing windows.
Heat pump rebates
IRA home energy rebates
Wisconsin’s HEAR program, funded by the Inflation Reduction Act and run through Focus on Energy, offers rebates of up to $8,000 on a qualifying ENERGY STAR heat pump. It’s income-based: households under 80% of area median income can get the full project cost covered, and those between 80% and 150% can get half. The rebate comes off at install, so check your eligibility before you buy.
Heat pumps
Promotional financing
Lenders and manufacturers run promotional offers through the year, and they come and go. The one worth asking about is whichever is live the week you are buying, which is exactly why it is not printed here.
Ask what is currentStraight answers
Financing and rebate questions
Does Advanced Comfort Systems offer HVAC financing?
Yes. We offer financing on new heating and cooling systems through consumer lenders that specialize in home improvement, so you can put a system in now and pay monthly. Ask us for the current rates and terms when we quote — they change through the year, so we give them to you in writing rather than publishing them here.
How do I apply for HVAC financing?
You apply through the lender, usually with a short credit application you can complete at the time of the quote, and the decision normally comes back the same day. We hand you the paperwork and answer questions about the job; the credit decision itself is the lender's and we do not see your credit file.
What credit score do I need to finance a furnace?
That is the lender's call, not ours, and the threshold differs between programs and moves over time. It is worth applying rather than assuming: home-improvement lenders look at more than one number, and there is usually more than one program available on the same job.
Can I finance a repair, or only a new system?
Financing is generally aimed at new system installations rather than one-off repairs. If you are staring at a repair bill big enough to make you think about financing it, that is usually the moment to have the repair-or-replace conversation instead — we will show you both numbers.
What rebates are available on a new HVAC system in Wisconsin?
There are three places money typically comes off: Carrier manufacturer rebates on qualifying equipment, utility and state incentives including Wisconsin's Focus on Energy program, and promotional financing offers. They generally stack on the same installation. Which ones apply depends on the exact model and its efficiency rating, so we confirm the live list against your quote rather than guessing.
Why does this page not list rebate amounts or interest rates?
Because they change, sometimes month to month, and a stale number on a website is worse than no number at all. Rebate amounts, qualifying model lists, filing deadlines and promotional rates all move. We confirm the current terms in writing at quote time so that what you are told is what is actually available that week.
Do you handle the rebate paperwork?
Yes. Rebate claims need model and serial numbers, a dated invoice and a form filed inside a window after installation, and we work through that with you.
Is a high-efficiency system worth financing?
Often, yes, because the rebates and the running-cost saving both land on the same side of the ledger. A higher-efficiency system costs more up front, attracts more rebate money, and reduces the bill every month afterwards, so part of the payment is covered by money you stop sending the utility. We will put both figures in front of you — the monthly payment and the running-cost difference — so you can judge it yourself. Heat pumps are usually where that arithmetic looks best.
Get the number, then decide how to pay it.
We will come out, look at the house, and put a price in writing along with whatever financing and rebates are actually live that week. No obligation and no charge for quoting a replacement.
Or call us directly
(920) 564-2333Mon–Fri 7am–3pm. After hours, the same number reaches our on-call technician.