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.

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.

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.

• Can I get financing with bad or thin credit? +

  Yes. Magwitch specifically partners with lenders who specialize in fair, rebuilding, and thin-credit borrowers. First-time borrowers and applicants without an extensive credit history are welcome to apply. Rates and terms vary by credit profile, but a single application gives you visibility into what's available for your situation.

• Is the credit check a hard pull on my report? +

  The initial application uses a soft credit check, which does not affect your credit score. You can see your real offers without any impact to your report. A hard pull only happens if you choose to move forward with a specific lender's final loan documents — and you'll be told before that happens.

• How fast is the approval decision? +

  Most applicants get a decision in about 60 seconds after submitting the application. Magwitch returns real offers from multiple lenders in real time, so you can compare your options immediately and pick what fits.

• Is GWIN financing better than dealer or contractor financing? +

  Dealer and contractor financing is usually tied to hiring that installer for a full professional install, and the financing cost is typically built into the bid. It's not designed for DIY homeowners. GWIN's manufacturer-direct financing is built for DIY: you keep the DIY savings, finance directly through GWIN, get hands-on help with approval, and your full warranty stays intact whether you install it yourself or not.

• How is GWIN financing different from Affirm or Klarna at checkout? +

  Affirm and Klarna are third-party checkout lenders — they own the customer relationship, and the merchant fee is often built into the product price. With GWIN, you apply directly through the manufacturer, a real team helps you through the process with our lending partner Magwitch, and GWIN absorbs the lender's merchant fees instead of passing them on. You're financing through the people who built and stand behind the system.

• Can I finance a MRCOOL or other DIY mini split brand through GWIN? +

  GWIN financing applies to GWIN HVAC systems. Most other DIY mini split brands, including MRCOOL, are typically financed through third-party checkout lenders like Affirm or Klarna at the point of sale, or through whatever retailer is reselling the unit. GWIN is different: you finance directly through the manufacturer, we help you through the approval with our lending partner, and we absorb the lender fees so financing doesn't add to your system cost.

• What credit score do I need to qualify for GWIN financing? +

  There is no fixed minimum credit score. Magwitch's network includes lenders for all credit profiles — from no-credit and rebuilding-credit applicants through good and excellent credit. Your rate, term, and approval amount depend on your overall credit profile, not a single cutoff.

• How does the application work? +

  Click the Apply button anywhere on this page. You'll be taken to Magwitch's secure portal where you complete one short form — about 60 seconds. Magwitch then routes your application to its network of lenders and returns offers instantly. You compare, choose, and e-sign — all from your phone or computer.

• How long does the whole financing process take? +

  From start to e-sign, the typical applicant finishes in 5 to 10 minutes. The application itself takes about 60 seconds. Comparing offers and reviewing loan documents takes the rest. Funding timing depends on the lender you choose — typically same-day or next business day after signing.

• Can I cancel after I'm approved? +

  Yes. Being approved is not the same as accepting a loan. You're not committed until you e-sign the final loan documents. Even after signing, federal law gives you a 3-day right of rescission on most consumer loans. Talk to your specific lender to confirm their cancellation terms.

• What happens if I'm not approved? +

  If Magwitch's network can't return an offer, you'll be notified directly with the reasons (per federal lending regulations). You can still purchase your GWIN system by paying in full — the warranty and tech-included guarantee apply to all GWIN customers regardless of how you pay.

• What's the lowest APR available? +

  Rates start at 6.99% APR for well-qualified applicants and range up to 35.99% APR depending on your credit profile, loan amount, and term. Your exact rate is set by our lending partner, Magwitch, when you apply — and GWIN absorbs the lender's merchant fees, so choosing to finance doesn't add to your system price.

• What's the maximum amount I can finance with GWIN? +

  Up to $50,000. This covers the largest GWIN single-zone and multi-zone systems with plenty of headroom for accessories. Most homeowners financing a complete ductless system fall well below the maximum.

• Are there origination fees or prepayment penalties? +

  Magwitch's lender network generally offers loans with no prepayment penalties — you can pay off your loan early without penalty. Origination fees vary by lender; if a fee applies, it will be disclosed in your loan offer before you e-sign. You'll see the full APR, total cost, and any fees up front.

• Does GWIN make money from financing? +

  No. In most cases we actually pay a percentage fee to get our customers approved — we're the ones absorbing that cost so financing stays a real option for homeowners. Our financing exists to remove the cash barrier to ductless HVAC, not as a profit center. Your APR is determined by Magwitch based on your credit profile and isn't affected by anything on our side.