Guide
5 min read
Kelley & Dawson Service offers financing on qualifying HVAC installations through the Wells Fargo Home Projects credit card program — you apply once, get a credit decision quickly, and pay for the system over time on the program's terms rather than all at once. Applying takes minutes, and your comfort advisor handles the paperwork alongside your quote, so the financing decision and the equipment decision happen in the same conversation.
Why finance an HVAC system at all?
Because furnaces and air conditioners fail on their own schedule — usually mid-season, rarely when the savings account is ready. Financing converts a five-figure surprise into a predictable monthly line item, which also frees you to choose the right system instead of the cheapest one that stops the emergency. A higher-efficiency unit that costs more upfront but less every month often makes more sense when the upfront is spread out.
How does the Wells Fargo Home Projects program work?
It's a revolving credit account issued by Wells Fargo Bank, N.A., used by home-improvement contractors nationwide. The flow with us is simple: you get your installation quote, your comfort advisor submits the credit application (or you apply directly), Wells Fargo returns a decision — typically fast — and once approved, the installation is billed to the account. Specific promotional terms (rates, periods, minimum purchase) change over time and are subject to credit approval, so we go over the current offer sheet with you at quote time rather than promising terms in an article. Current details live on our financing page.
What should you have ready to apply?
The application is standard consumer credit: identity, address, income basics. Decisions rest on your credit profile — approval isn't guaranteed, and we'll never pretend otherwise. If you're replacing rather than repairing, it's worth reading AC Repair vs. Replacement in Wichita first so you're financing the right decision, not just the urgent one.
Can financing stack with rebates?
Yes — they work on different parts of the invoice. Financing spreads the total; rebates shrink it. Qualifying high-efficiency installations may be eligible for Evergy Home Comfort rebates, and we handle that paperwork as part of the install — our Evergy rebate guide explains what qualifies. If you're weighing equipment types, the rebate landscape currently favors heat pumps — see Heat Pump vs. Gas Furnace in Kansas.
How do you start?
Two ways, both existing and real today: call (316) 263-7201 and tell us you want to talk through financing on a replacement quote, or request service online and mention financing in your note. Kelley & Dawson has been family-owned in Wichita for nearly 60 years — we quote the system, the rebates, and the payment path in one visit, with no obligation to take any of the three.
Frequently asked questions
What credit score do I need for HVAC financing?
Wells Fargo makes the credit decision, not us, and they don't publish a single cutoff. The application is quick, so the fastest way to know is to apply when you get your quote.
Can I finance a repair, or only full systems?
The program is built around installations and larger projects. For smaller repairs, ask when you call — (316) 263-7201 — and we'll tell you what qualifies under the current terms.
Does applying affect my credit?
Yes — like any credit application, it involves a credit inquiry. That's a Wells Fargo process; we see the decision, not your file.
Are there promotional interest periods?
Promotional terms rotate and are subject to credit approval — we present the current offer in writing with your quote instead of quoting rates in an article that could go stale.
Do you finance installations outside Wichita?
Yes — financing is available on qualifying installations across our service area: Wichita, Andover, Derby, Goddard, Maize, Augusta, Haysville, Kechi, Mulvane, Park City, and Valley Center.
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financing Available
Financing with
Wells Fargo
Buy today, pay over time with the Wells Fargo Home Projects Credit Card¹, issued with approved credit by Wells Fargo Bank, N.A., an Equal Housing Lender. With approved credit from Wells Fargo, you’ll enjoy:
Today. Convenient monthly payments available.²
Flexible financing options
Easy online account management
Plus, by taking advantage of financing, you won’t use up your existing funding sources, like a home equity line of credit, other credit card or bank account. They’ll still be available when you need them.
Please contact us to find out which financing options are available to you, or to learn about special financing promotions.
¹ Subject to credit approval. Call for details.
² The [Card Name] credit card is issued with approved credit by Wells Fargo Bank, N.A. Ask for details.
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