Financing Your Trane Purchase


Please click on the link below and follow the online application to see if you qualify first for financing. Applying doesn't mean you're obligated, it's just a method to qualify if you're interested and your information is not shared with anyone else.

Click Here to apply online for all Trane program financing from Wells Fargo Bank N.A.

To find out which Trane financing options are available to you, or to learn about special financing promotions, contact Kelly or Brian Owens at:
(423) 842-8081 press option 4 for Kelly, press option 5 for Brian Owens or use the email form on Contact Us.

Trane 2024 Year Round Financing Promotion Update

0% APR FINANCING ON 36 MONTH Runs January 15, 2024 to December 15, 2024 for TRANE OR  RUNTRU (by Trane) EQUIPMENT (plan 0136)

FINANCING OPTIONS are with equal monthly payments on all Trane equipment.

Approved consumers can take advantage 0% APR with Equal Monthly Payments financing on all Trane Equipment. There is no penalty for paying off early. (see Special Offers page on this website for details)


Special Rate of 3.99% APR with 60 equal monthly payments of 1.86% of the amount financed.

(This means on a $10,000 purchase it cost you $186 per month for 60 months)

(plan TBA) Call us at 423-842-8081 press option 4 for Kelly for more details.

Financing through Vanderbilt


Please call 1-888-893-8792 for more details.



We offer service, maintenance, and repair on all brands of residential central HVAC & ductless mini split equipment.


See how your equipment is performing and if maintenance is necessary.

Read more »


We install systems ranging from 1.5 TON to 30 TONS. Trane & Trane/Mitsubishi is our primary replacement brand for installation. We offer sizes 9,000 BTU to 60,000 BTU.


Service, maintenance, and repair on all brands of commercial HVAC systems. We replace your existing residential or commercial equipment with a hi-efficient Trane system.


We offer solutions and solve comfort problems

Our goal is to provide Same Day Service, in most cases before 6:00pm, schedule permitting.

  • Residential Service Call $85
  • Commercial Service Call $93
  • “Year Round Special Financing for 36 months" on all equipment for qualifing customers.
  • WE NEVER CHARGE OVERTIME for after-hour, evening or weekend service.



About Us

Bill Owens Heating & Air Inc. is a family owned & operated business and has been serving Chattanooga & Hamilton County since 1979.

  • Office located at 6252 Dayton Blvd Hixson, TN 37343
  • We are a Veteran owned and operated business.
  • We are a Premier Trane Dealer and specialize in Residential & Lite-Commercial Replacement Systems & HVAC ADD-ON.
  • (We do not offer New Home Construction Installation.)

3 Ways You Can Get an Estimate on a New Installation or Replacement?

Call Us

You can call the Sales Dept, Alan Humphrey 423-509-0792 (cell), or Bruce Hubbard at 423-777-8178 (cell).

Contact Form

Send an email using form on Contact Us page.

Contact us »

Estimate Form

Fill out the form on the Get Estimate page. Your request will be sent to the on-call Sales Person immediately.

Request an estimate today »

Brands We Service

We are Hamilton County & Chattanooga's Independent Premier Trane Comfort Specialist Dealer

Trane Comfort Specialist Badge
Lifestory Research - Trane American's Trust HVAC Brand Badge
Trane Logo
"Brian, your guys really rock. Everything looked perfect with the installation. My wife says the new Trane unit looks pretty but I love the performance. Tell your guys, thank you for a great job." — Steve Maples
"I want to thank everyone who assisted in getting my central heating and air unit installed. Everyone was great and explained everything to me. I will definitely recommend your company to friends." — Teresa Ivey
"Brian, everything about the service your company provided during the installation of our HVAC system was top notch. We're also very happy with the performance of the new unit." — Rick Gehrke

Read more testimonials from our customers »