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Financing Available · All 48 States

Manufacturer-direct financing

DIY mini split financing,
direct from the manufacturer.

Finance your system directly through GWIN — not a separate retailer or dealer. You apply, we work with you and our lending partner Magwitch to get you approved, and we help you through every step. Available in all 48 contiguous states, with programs for no credit, little credit, and good credit.

6.99%

Rates From

$50K

Max Loan

20 yr

Max Term

60 sec

To Apply

All 48

Contiguous States

Estimate My Payment

All 48 States

Instant Decision

Apply Direct Through GWIN

We Help You Through It

No Credit? You’re Welcome

Full Warranty Still Applies

Last reviewed May 2026
· Written by GWIN HVAC Technical Team
· Reviewed by George Cervino (TN License #73776)
and James Brown (EPA Section 608 Certified)

More than a loan

Why finance a GWIN™ system?

When you finance with GWIN™, you're not just financing equipment — you're financing a system installed the right way, backed by a real warranty, with a licensed tech included. Here's what you're actually getting.

Assisted DIY™ — the upgrade to DIY alone

You do the install. We send a licensed tech to inspect, vacuum, and charge the system. The best of both worlds — DIY savings with pro assurance.

Best of both worlds

A tech included — with a guarantee

DIY plus pro assurance, no upcharge. Guaranteed tech, or your system is free — we go local, drive, or fly to make it happen.

Tech or it’s free

Pro system + pro install process

Real, professional-grade equipment paired with a verified install process — built to run longer and cleaner than a typical unguided DIY job.

Flare-free linesets

Warranty + full DIY coverage

Coverage most DIY brands won't touch

1-year bumper-to-bumper labor & refrigerant
Covers non-licensed installers and the tech
1-year condenser replacement
10-year parts & compressor + free shipping
Warranty stays with the equipment — no matter who owns or installed it

See full warranty

Real DIY financing + manufacturer assistance

We're in your corner on the loan, too

We help process the loan with you
We cover the lender fees
Options for new, low, and good credit
Apply directly through GWIN™, the manufacturer

How financing works

The category, defined

What is manufacturer-direct DIY mini split financing?

Manufacturer-direct DIY mini split financing means you finance your system directly through the manufacturer — not a separate retailer or dealer. With GWIN, you apply through us, we work with you and our lending partner Magwitch to get you approved, and we absorb the lender fees so financing your system doesn’t cost you extra.

Most DIY mini split brands hand you off to a third-party checkout lender or leave financing to whatever retailer is reselling the unit. GWIN keeps it in-house as the manufacturer — one team that knows the equipment, the install, and the financing.

You apply through GWIN

Start your application right here with the manufacturer — not a separate retailer’s checkout or a dealer’s finance desk.

We help you through it

We work directly with you and our lending partner to get you approved — you’re never on your own with a form.

We absorb the lender fees

GWIN covers the lender’s merchant fees, so choosing to finance doesn’t add cost to your system.

Your full warranty still applies

Financing changes nothing about coverage. Year-1 bumper-to-bumper plus 10-year parts and compressor stay intact.

Three ways to finance

How GWIN financing compares.

There are three common ways to finance a DIY mini split. Here’s how financing directly through the manufacturer stacks up against third-party checkout lenders and dealer finance desks.

GWIN

Manufacturer-direct

Apply through GWIN, the manufacturer

Apply directly with the manufacturer
We help you through the whole process
We absorb the lender’s merchant fees
One team for equipment, install, and financing
Full GWIN warranty unaffected
Available in 48 contiguous states

Third-party checkout

Affirm / Klarna-style at checkout

Fast self-serve at checkout
Lender, not the manufacturer, owns the relationship
No hands-on help if you’re declined
Merchant fee often baked into the price
Approval odds vary widely by cart size

Dealer / contractor

Through an installer's finance desk

Financing tied to the installer you hire
Usually only with a full professional install
Financing cost typically built into the bid
Not designed for DIY homeowners
Availability varies by local dealer

Our lending partner

Powered by Magwitch

Loans are provided by Magwitch, a home-improvement lender available in all 48 contiguous states. You apply through GWIN, we coordinate your approval, and we absorb Magwitch’s merchant fees so financing doesn’t add to your system cost.

All financing subject to credit approval by the lending partner. Rates and terms vary by applicant.

Credit programs

A program for every credit profile.

Whether your credit is brand new, damaged, or excellent — Magwitch’s single application finds the right offer for your situation.

No / Thin Credit

Alternative qualification

No prior credit history required
First-time borrowers welcome
Build your credit with on-time payments
Flexible repayment terms
All 48 contiguous states eligible

Fair / Rebuilding Credit

Rates vary by profile

Programs designed for credit rebuilds
Terms up to 240 months available
$1,000–$50,000 loan range
Single form, instant decision
E-sign in minutes from any device

Good / Excellent Credit

From 6.99% APR

Lowest available rates from 6.99%
Largest loan amounts up to $50K
Longest terms available
Multiple competing offers returned
Best for large multi-zone systems

Payment estimator

Estimate your monthly payment.

Get a rough idea of what your payment could look like. Your actual rate is determined by Magwitch based on your credit profile and loan type.

Customize Your Loan

System Type

$

$0

$0$5000

9.99%

6.99%35.99%

Loan Term

$0

estimated per month

System Price$0

Down Payment$0

Amount Financed$0

Interest Rate0% APR

Loan Term36 months

Total Interest$0

Total Cost$0

Apply Now with Magwitch

Estimates only. Actual rate determined by Magwitch based on your credit. Rates from 6.99% APR.

How it works

From application to install in 4 steps.

The entire financing process is designed to be fast, frictionless, and done from your phone.

Pick Your System

Browse King, Emperor, or Multi-Zone systems. Find the right BTU size for your space. Our team can help if you're not sure.

Apply with Magwitch

Click 'Apply Here' and complete one short form. Takes 60 seconds. Magwitch returns real offers instantly — no guessing, no pressure.

Choose Your Offer

Compare your options — different terms, rates, and monthly payments. Pick what fits. E-sign from your phone or computer, done.

We Ship. You Install.

Your GWIN system ships free. Installation support is included. Your full warranty starts the moment you power it on.

Start My Application

Federal tax credit update

The federal 25C tax credit ended December 31, 2025.

If you installed a qualifying heat pump in 2025 or earlier, you can still claim the credit on your 2025 tax return using IRS Form 5695. For new installations in 2026 and beyond, the federal credit is no longer available — but state and utility rebates may still apply.

What happened

The One Big Beautiful Bill Act (July 2025) ended the credit early.

The 25C Energy Efficient Home Improvement Credit was originally scheduled to run through 2032 under the Inflation Reduction Act. It was eliminated for new installations completed on or after January 1, 2026. Equipment installed in 2025 or earlier can still claim the credit when filing 2025 taxes.

But there is still good news

You may still qualify for state and utility rebates.

Federal credits are gone, but most states and many utility companies still offer their own rebate programs — some worth thousands of dollars when stacked.

State IRA Rebates

The Inflation Reduction Act funded two state-administered programs — HEEHRA (income-based home electrification rebates) and HOMES (performance-based energy rebates). Rolling out across states. Eligibility varies by income and project type.

Utility Rebates

Many electric and gas utility companies offer their own rebates on heat pumps and high-efficiency HVAC. Programs vary widely by region — typically $500 to $3,000+. Check with your local utility before purchasing.

Check Rebates in Your State

ENERGY STAR Rebate Finder

Programs vary by state and change frequently. Consult your tax advisor for personal eligibility.

Frequently asked

Real answers to real questions.

Everything homeowners actually want to know about financing a DIY mini split through GWIN — eligibility, process, and the money details.

Still have questions?

We're here to help. Reach out and we'll walk you through it.

Contact GWIN

Keep exploring

Ready when you are

Finance your system
directly with GWIN.

Apply in minutes, get help from a real team, and keep your full warranty. Manufacturer-direct financing, available in all 48 contiguous states.