Financing & Rebates
Make Your System Upgrade Affordable
Replacing a boiler, furnace, or AC isn't cheap — but it doesn't have to be paid out-of-pocket up front. Here are the financing paths, utility rebates, and manufacturer promotions (when available) we help our clients use to bring real systems within reach.
1. Third-Party Financing
Promotional Financing on Approved Credit
For homeowners who'd rather spread the investment over time, we partner with national HVAC financing providers to offer programs such as:
- 0% APR promotional periods on qualifying installations
- Fixed-rate installment loans (typically 12–144 months)
- Same-as-cash deferred-interest options
Subject to credit approval and lender terms. Full disclosures provided during proposal review.
2. Utility Rebates
Minnesota Power, Minnesota Energy Resources & Lake Country Power
Local utilities offer rebates on a wide range of high-efficiency equipment:
- Minnesota Power: geothermal and air-source heat pump incentives, plus a $300 rebate on ENERGY STAR heat-pump water heaters. Minnesota Power lists a $1,000 rebate on cold-climate air-source heat pumps (ducted or ductless) purchased Jan. 1 – Dec. 31, 2026 and installed by a program participating contractor; see the linked pages for eligibility.
- Minnesota Energy Resources: furnace and boiler rebates for its natural gas customers. See its heating system rebates page for current eligibility.
- Lake Country Power: rebates for its co-op members only. See the Lake Country Power 2026 rebate sheet for current eligibility.
3. Manufacturer Promotions
Manufacturer Promotions When Available
Manufacturers such as Lochinvar, Bosch, Mitsubishi, and Carrier sometimes run promotions on qualifying equipment. When one is available, we'll let you know and pass it through to you.
Common Questions
Financing & Rebates — FAQ
Do you offer HVAC financing in Duluth, MN?
Yes. Design Heating partners with third-party HVAC lenders (Synchrony, GreenSky, and Service Finance) to offer 0% APR promotional financing, deferred-interest plans, and longer-term reduced-rate loans on qualifying installations. We do not finance projects in-house. Most homeowners qualify, and applications take just a few minutes.
What rebates are available for new HVAC equipment in Northeastern Minnesota?
Available rebates change year to year, but typically include: Minnesota Power rebates for high-efficiency heat pumps, geothermal, and ENERGY STAR equipment; and manufacturer rebates from Viessmann, Lochinvar, Mitsubishi, and others. For example, Minnesota Power lists a $1,000 rebate on cold-climate air-source heat pumps (ducted or ductless) purchased Jan. 1 – Dec. 31, 2026 and installed by a program participating contractor; eligibility details are on mnpower.com.
How much can I finance for an HVAC project?
Most lenders we partner with finance from $1,000 to $75,000 for residential HVAC projects, depending on credit qualification. Larger projects (whole-home geothermal, full hydronic redesigns) can typically be fully financed. We'll help you choose the financing plan that minimizes your total cost.
Let's Talk Numbers
Ready to See What Your Project Could Look Like?
Every free estimate includes a side-by-side comparison of cash, financed, and high-efficiency scenarios — including every rebate and credit we can find for your specific system.