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TwinPortsHeating · Cooling

HVAC Financing

HVAC financing for Duluth, MN & Superior, WI homeowners.

A failed furnace shouldn't force a bad decision. Twin Ports Heating & Cooling offers approved-credit financing through trusted lending partners so you can install the right system today and pay over time. Same-day pre-approval, no prepayment penalty, and the financing stacks with utility rebates and federal tax credits.

Apply with your free estimate Call (218) 461-1049

What you get with our financing

  • Same-day pre-approval on approved credit
  • Soft credit pull options on initial application
  • No prepayment penalty — pay it off whenever you want
  • Loan terms typically 24–120 months
  • Combine with utility rebates and federal tax credits
  • Use it for furnaces, AC, heat pumps, boilers, and IAQ add-ons

Sample monthly payments

Examples below assume a representative APR and a 72-month term on approved credit. Actual rate, term, and payment depend on lender, credit profile, and program.

Example

Furnace replacement (95% AFUE)

Project price: $7,200

~$118 / month

Example

AC + furnace bundle

Project price: $11,500

~$189 / month

Example

Cold-climate heat pump (dual-fuel)

Project price: $13,800

~$226 / month

Example

Ductless mini-split (single-zone)

Project price: $5,400

~$89 / month

Estimates only. Subject to credit approval. Actual offers and terms provided by the lender on application.

How it works

  1. Step 1

    Free estimate

    We measure, design, and price the system in writing.

  2. Step 2

    Pre-approval

    A short application; soft-pull options available on initial approval.

  3. Step 3

    Install + pay over time

    We install on the agreed date; you make a monthly payment that fits your budget.

Apply with your free estimate.

Start with the estimate — we'll talk through financing options after we've shown you what the project actually costs.

Request a free estimate
Call (218) 461-1049