Financing

Memphis Air Conditioning & Heating

Wells Fargo Financing Options

At Memphis Air Conditioning & Heating, we’re proud to help homeowners in Memphis, TN, and the surrounding areas enjoy year-round comfort without the stress of large upfront costs.


We provide flexible financing options through the Wells Fargo Home Projects Credit Card so you can choose the Trane system or service you need and pay over time with a plan that suits your budget. With approved credit, you can enjoy special rates, equal monthly payments, or no-interest promotions on qualifying purchases.

Special Rate with Equal Monthly Payments


  • 0% APR for 24 months – Equal monthly payments
  • 0% APR for 36 months – Equal monthly payments
  • 0% APR for 48 months – Equal monthly payments
  • 0% APR for 60 months – Equal monthly payments
  • 0% APR for 72 months – Equal monthly payments (on select plans)

No Interest if Paid in Full


  • 6 months – No interest if paid in full with regular monthly payments
  • 12 months – No interest if paid in full with regular monthly payments
  • 15 months – No interest if paid in full with regular monthly payments
  • 18 months – No interest if paid in full with regular monthly payments

Long-Term Financing

Perfect for bigger projects, long-term plans include:


  • 7.99% APR for up to 96 months
  • 7.99% APR for up to 120 months
  • 9.99% APR for up to 120 months
  • Additional competitive APR plans are available

Disclaimer: Special terms apply to qualifying purchases charged with approved credit. Minimum monthly payments are required. Interest will be charged from the purchase date if the promotional balance is not paid in full within the promotional period. Please see the Wells Fargo Home Projects Credit Card Agreement for details.

View Our Complete Wells Fargo Financing Guide

Want to see all available plans and details? Download our complete Wells Fargo Home Projects Credit Card financing guide here:

Download Here

Ready to Upgrade Your Comfort?

Whether you’re in Memphis, TN, or the surrounding areas, our Wells Fargo financing options make it easy to enjoy the Trane comfort you deserve, without breaking the bank. Don’t wait—your perfect indoor climate is just a call away! Apply for financing today!