HVAC Financing & Oklahoma Utility Rebates | Hartzell’s Heat & Air
A new HVAC system is a significant investment. Hartzell’s makes it easier with financing options for qualifying customers throughout Kingfisher, Oklahoma City, and all of central Oklahoma — including 0% APR for up to 60 months and payments as low as $133/month on an $8,000 system. Three of our five lenders use a soft credit pull only — no impact to your score just to check your offers. Oklahoma utility rebates from CKenergy, OG&E, and other co-ops can offset thousands more on qualifying equipment. Note: the federal 25C air-source and 25D geothermal credits expired December 31, 2025 — Oklahoma utility rebates remain fully active.
Upfront pricing · No surprises · Ask about financing when you request your estimate · 405-375-4822
Financing Options
Hartzell’s works with five lending partners so there’s something for every budget and credit situation — from 0% promotional terms on a new Trane system to flexible, no-fee buy-now-pay-later for smaller jobs. Multiple lenders mean better odds of approval and more competitive options. Three of our lenders (Wisetack, JB Financing, and Klarna) use a soft credit pull only — no impact to your credit score just to check your offers. Ask about financing when you request your estimate. Subject to credit approval.
To ask about financing, call 405-375-4822 or mention it when you request a free estimate.
Synchrony
Trane promotional financing
- Plan 930: 0% APR for 25 months (equal monthly payments)
- Plan 933: 0% APR for 60 months (equal monthly payments)
- Trane Unstoppable Event: $900 rebate + 0% APR / 60 months — expires May 31, 2026
- No interest if paid in full during promotional period
Best for: Trane system purchases, customers who want the longest 0% window (60 months)
Wells Fargo Home Projects
Via Trane TCS SELECT dealer program
- 0% APR: 24, 36, 48, or 60 equal monthly payments
- No-interest same-as-cash: 6, 12, or 18 months
- Special rates: 3.9%, 5.9%, 7.9%, or 9.9% APR available
- Extended terms (purchases $10,000+): 7.99% or 9.99% APR for 96, 108, or 120 months (8–10 years)
Best for: Larger purchases, long-term low-rate financing on geothermal or premium systems
Wisetack
Soft credit pull — checking offers won’t affect your credit score
- Loans: $500–$25,000
- Terms: 3–60 months
- APR range: 0%–35% (0% available up to 24 months)
- ~80% average approval rate
- Flexible credit requirements
Best for: Repairs and smaller jobs, customers who want to check rates without a hard credit pull
JB Financing
Soft credit pull — no impact to your credit score to apply
- Network of 30+ lenders — one application
- Loan amounts up to $100,000
- Terms up to 240 months (20 years)
- Credit scores as low as 590 considered
- ~75% approval rate
- No dealer fees to Hartzell’s
Best for: Customers who have been declined elsewhere, large geothermal or commercial projects
Klarna
Soft credit check — no hard pull to apply
- Pay in 4: 4 equal payments, one every 2 weeks (6 weeks total)
- 0% interest — no fees when paid on time
- Soft credit check only — no impact to your score
- No enrollment or application fees
Best for: Repairs, tune-ups, and smaller equipment jobs in the $200–$3,000 range — split into 4 interest-free payments
Note: Wisetack, JB Financing, and Klarna use a soft credit pull — checking your offers will not affect your credit score. All financing is subject to credit approval. Financing fees are not passed to the customer.
Monthly Payment Examples
Based on 0% APR promotional financing. Actual payment depends on lender, term, and credit approval.
| System / Job | Approx. Cost | 0% / 25 months | 0% / 60 months |
|---|---|---|---|
| AC repair / smaller job | $1,500 | $60/mo | $25/mo |
| Central AC replacement | $5,000 | $200/mo | $83/mo |
| AC + furnace system | $8,000 | $320/mo | $133/mo |
| Premium system or heat pump | $12,000 | $480/mo | $200/mo |
| Geothermal system | $18,000 | — | $300/mo (96–120 mo available) |
Payment examples are estimates only. Subject to credit approval. Ask Dave for exact financing terms when you request your free estimate — 405-375-4822.
Federal Tax Credits & Oklahoma Utility Rebates
Important 2026 Update: The federal Section 25C credit for air-source HVAC expired on December 31, 2025 under the One Big Beautiful Bill Act. The Section 25D geothermal credit also expired on December 31, 2025 — new geothermal installs in 2026 do not qualify for 25D either. Oklahoma utility rebates remain active and significant — CKenergy offers $2,000/ton (up to $24,000), OG&E offers $1,000/ton, PSO offers a flat rebate, and Cimarron Electric offers $600 — see below. If you installed a qualifying system in 2025, you can still claim the applicable credit on your 2025 tax return (filed in 2026). Consult a tax advisor.
Oklahoma Utility Rebates (Still Active in 2026)
While federal credits are gone, Oklahoma utility companies offer meaningful rebates for energy-efficient HVAC upgrades — particularly for geothermal heat pumps. Always verify current amounts directly with your utility before making a purchase decision.
OG&E (Oklahoma Gas & Electric)
Geothermal: $1,000/ton rebate
HVAC replacement: Up to $3,000
Smart thermostat: $50 rebate for ENERGY STAR certified smart thermostat installation. Stacks with equipment rebates.
For OG&E residential customers. Check oge.com for current program details.
PSO (Public Service Co. of Oklahoma)
Geothermal heat pumps: Rebates available
High-efficiency HVAC: Rebates available
Check oge.com/rebates or call 888-776-1366.
Cimarron Electric Cooperative
Geothermal heat pump: $600 rebate (new or replacement)
Check cimarronelectric.com for full rebate schedule.
OMPA Member Utilities
Cities served by OMPA (Oklahoma Municipal Power Authority) can access the WISE rebate program for heat pumps and geothermal. Check with your municipal utility or ompa.com.
Rural Electric Cooperatives
Geothermal: Up to $1,050/ton
Includes Canadian Valley, Central Electric, CKenergy, and others. Check with your co-op for current rebate amounts.
Rebate programs are administered by individual utilities and may change without notice. Always verify current rebate amounts directly with your utility company before purchasing equipment. Hartzell’s can help identify which rebates apply to your specific situation and utility service territory.
If You Installed Equipment in 2025 — You Can Still Claim the Credit
If a qualifying system was installed and placed in service by December 31, 2025, you can still claim the federal credit on your 2025 tax return (filed in 2026). Additionally, any unused credit from prior years can be carried forward. Consult a tax professional for your specific situation. File IRS Form 5695.
Geothermal: Still the Best Long-Term Investment
Even without the federal tax credit, geothermal heat pumps remain the best long-term HVAC investment for Oklahoma homeowners who plan to stay in their home:
- Oklahoma utility rebates — OG&E offers $1,000/ton; rural electric coops offer up to $1,050/ton. On a 3-ton system, that’s $3,000–$3,150 back from your utility alone.
- 300–500% efficiency — Ground source heat pumps produce 3–5 units of heating/cooling for every unit of electricity. Conventional heat pumps produce 1.5–2.5 in Oklahoma winter conditions.
- Lower operating cost — Typical Oklahoma homeowners save $500–$1,200/year on heating and cooling vs. a conventional system.
- 25+ year life expectancy — Ground loops last 50+ years. Equipment life is 20–25 years vs. 10–15 for conventional systems.
Learn more about geothermal for Oklahoma homes ›
Rebate Application Forms
Below are direct links to rebate application forms for the major utility providers in Hartzell’s service area. Always verify current program availability with your utility before purchasing equipment — rebate programs can change or run out of funds.
OG&E (Oklahoma Gas & Electric)
Oklahoma residential HVAC replacement rebate. Up to ,500/unit, 2 units/year. Application must be submitted within 30 days of installation.
Download OG&E Rebate Form (PDF) ›
OG&E HVAC Guidelines ›
Questions: rebates@oge.com or 877-898-1759
OG&E rebate programs have been subject to temporary pauses — verify the program is currently active before purchasing.
PSO (Public Service Co. of Oklahoma)
Geothermal rebate: ,400 flat or 50/ton (single upgrade) / 25/ton (multiple upgrades). Applies online through PSO’s rebate portal.
PSO Geothermal Rebate Application ›
All PSO Rebates ›
Questions: 888-776-1366
Cimarron Electric Cooperative
Geothermal heat pump rebate: 00 (new installation or replacement). Check the full rebate schedule for additional eligible equipment.
Cimarron Electric Rebate Form ›
Contact Cimarron Electric for current program details
OMPA Member Utilities
Cities served by Oklahoma Municipal Power Authority (OMPA) — including Edmond, Altus, and others — have access to the WISE heat pump rebate program.
Contact your local municipal utility for application details
Electric Cooperative Geothermal Rebates — Hartzell’s Service Area
Oklahoma’s rural electric cooperatives offer some of the strongest geothermal rebates in the country. These programs incentivize members to install geothermal because it shifts load and benefits the whole grid — and the savings pass directly to you.
CKenergy Electric Cooperative — ,000/ton
CKenergy serves approximately 28,000 meters in 10 Oklahoma counties west of Oklahoma City — which includes much of Hartzell’s service area. Effective January 1, 2026: ,000 per ton for new geothermal installations and retrofits, up to a maximum of 4,000 per member. A 3-ton system = ,000 back. A 4-ton system = ,000 back. Projects over 12 tons evaluated case-by-case.
CKenergy Geothermal Program ›
Phone: 405-375-4822
Canadian Valley Electric Cooperative (CVEC)
CVEC actively promotes geothermal heat pumps to members and offers geothermal rebate incentives. Specific rebate amounts vary — contact CVEC or visit their energy efficiency page for current details and application information.
Phone: (405) 382-3680 · mycvec.coop
Central Electric Cooperative
Central Electric offers heat pump rebate programs for members. Visit their rebates page for current amounts, qualification requirements, and the application form.
central.coop/rebates
Not sure which co-op you’re with? If you live outside a city, you’re likely served by one of these electric cooperatives. Call Hartzell’s at 405-375-4822 — we can help identify which rebates apply to your address.
KPWA (Kingfisher Public Works Authority)
Serves city of Kingfisher electric customers. Confirmed geothermal heat pump rebates available. Contact KPWA for current amounts and application form.
Kingfisher City Hall: (405) 375-3705
301 N. Main Street, Kingfisher OK 73750
OEC (Oklahoma Electric Cooperative)
Geothermal: 00–00/ton. Air-source heat pumps: 00–00/unit. New construction or replacement eligible.
HEEHRA Federal Rebates — Not Yet Available in Oklahoma
The High-Efficiency Electric Home Rebate Act (HEEHRA) is a federal rebate program offering up to ,000 for qualifying heat pump installations for low-to-moderate income households. Oklahoma has not yet launched this program — when it does, Hartzell’s customers may qualify for significant additional savings on top of utility rebates.
Hartzell’s can help navigate the rebate process. After installing your system, we can provide the documentation your utility requires — model numbers, AHRI certification numbers, SEER ratings, and contractor license information. Just ask when you schedule your installation estimate.
Frequently Asked Questions
Does Hartzell’s offer financing near me in Oklahoma?
Yes. Hartzell’s offers HVAC financing throughout Kingfisher, Oklahoma City, and all of central Oklahoma through five lending partners: Synchrony, Wells Fargo Home Projects, Wisetack, JB Financing, and Klarna. Multiple lenders mean more options and better approval chances for every credit situation. Wisetack, JB Financing, and Klarna use a soft credit pull only — no impact to your score just to check your offers. Call 405-375-4822 or mention it when you request your free estimate.
Can I get interest-free furnace or AC financing?
Yes — Hartzell’s offers 0% APR financing for up to 60 months on qualifying Trane system purchases through Synchrony. Wisetack also offers 0% APR for up to 24 months for qualifying customers. On an $8,000 system at 0% for 60 months, that’s $133/month with no interest. Subject to credit approval. Ask Dave for current 0% promotional terms when you call — 405-375-4822.
What credit score do I need to finance an HVAC system?
It depends on the lender. Synchrony and Wells Fargo Home Projects typically require good-to-excellent credit (680+). Wisetack works with a wider range of credit profiles and has an approximately 80% approval rate. JB Financing routes your application through 30+ lenders and considers credit scores as low as 590, with approximately a 75% approval rate. Wisetack, JB Financing, and Klarna all use a soft credit pull — checking your options won’t affect your score. If you’ve been declined elsewhere, JB Financing is usually the best next step.
How much are monthly payments on a new AC or HVAC system?
At 0% APR over 60 months: a $5,000 system runs about $83/month; an $8,000 system runs about $133/month; a $12,000 premium system runs about $200/month. Geothermal systems ($15,000–$30,000) qualify for extended terms up to 120 months through Wells Fargo Home Projects. Actual payments depend on your credit approval, term, and any promotional rate. Call 405-375-4822 — Dave will walk you through the numbers on your specific estimate.
Does applying for HVAC financing affect my credit score?
Wisetack, JB Financing, and Klarna all use a soft credit pull to show you your options — this does not affect your credit score. Synchrony and Wells Fargo use a hard pull when you formally apply, which may have a small temporary impact. Start with Wisetack, JB Financing, or Klarna if you want to see rates without any credit impact first.
What is the federal tax credit for a new HVAC system?
The federal Section 25C credit for air-source HVAC expired on December 31, 2025. The Section 25D geothermal credit also expired December 31, 2025 — new 2026 installs do not qualify for either. If you installed a qualifying system in 2025, you can still claim the credit on your 2025 tax return. Oklahoma utility rebates remain fully active: OG&E offers $1,000/ton for geothermal, CKenergy offers $2,000/ton (up to $24,000) in 10 counties, and Cimarron Electric offers $600. Consult your tax advisor.
How much does a new HVAC system cost in Oklahoma?
Central AC + furnace or heat pump replacement: $5,000–$12,000 in central Oklahoma depending on size and efficiency. Ductless mini-split (single zone): $3,000–$6,000 installed. Geothermal: $15,000–$30,000 before utility rebates up to $2,000/ton. Hartzell’s provides upfront pricing — you know the exact cost before work begins. Free estimates on all new system installations.
Common HVAC Questions › · Current Specials › · Equipment Warranties › · See Pricing ›
Get Your Upfront Estimate
No surprises. We’ll tell you the exact cost, available utility rebates for your address, and financing options if you want them.
Nearby Communities We Serve
Current Trane Financing Offers
As a Trane Comfort Specialist TCS SELECT dealer, Hartzell’s can offer two current Synchrony promotional plans on qualifying Trane HVAC systems:
- Plan 930 — 0% APR for 25 months (equal monthly payments)
- Plan 933 — 0% APR for 60 months (equal monthly payments)
Trane Unstoppable Event — Expires May 31, 2026: Get a $900 factory rebate plus 0% APR for 60 months (Plan 933) on qualifying Trane system purchases. Ask for details when you request your estimate.
Subject to credit approval. Equal monthly payments required. Ask for current terms when you call.