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Citi Financial Retail Credit Program

Overview

CitiFinancial offers a broad range of retail financing choices. Advantages of using Citi Financial include:

  • Simple Credit Approval Process
  • Immediate Credit Upon Approval
  • Will Not Exhaust the Credit Limits of Other Credit Cards
  • Affordable Low Monthly Payments
  • No Prepayment Penalties
  • No Annual Fee
  • Special Financing Offers
Low Monthly Payment
The minimum monthly payment is only $20 or 2% of the amount financed, whichever is greater.

No Down Payment, No Minimum Purchase
You won’t need a down payment and there is no minimum purchase amount required. Plus, there is no penalty if you decide to pay off their balance early.

Energy Cost Savings Offset Payments
Potentially you can offset your monthly payments with the energy savings achieved with a new, more efficient, Carrier heating and cooling system.

Low Balance, Lower Monthly Interest
Some lending institutions charge interest on the total amount borrowed for the term of the loan. With this financing, interest is calculated on the average daily balance. So, the lower the balance, the lower the interest expense.

Finance Future Purchases
Once approved for Citi Financial credit, you can use your open line to make additional purchases. This includes the purchase of:

  • Generators
  • Thermostats
  • Electronic Air Cleaners
  • Humidifiers
  • Zoning Systems
  • Energy Recovery Ventilators
  • Extended Warranties
  • Service Contracts
  • Aeroseal
  • Energy Star®
    The EPA’s ENERGY STAR label on appliances and systems means they are highly efficient, energy-saving equipment.

    As an ENERGY STAR partner, Carrier has agreed to offer special financing for the purchase of products that have earned the ENERGY STAR label.

    ENERGY STAR equipment means long-term savings in both monthly utility bills and finance payments. Though the initial price is often greater with ENERGY STAR products, the savings are significant.

    ENERGY STAR labeled equipment qualifies for a low interest rate of 13.5% APR. Monthly payments are either 1.8% of the original amount financed or $20 whichever is greater. There is a minimum finance charge of $0.50.

    Products that qualify for ENERGY STAR financing:

    Air Conditioners/Heat Pumps
  • 38TXA
  • 38TSA
  • 38TDB
  • 38ESA
  • 38ETA
  • 38YXA
  • 38YSA
  • 38YDB
  • 38SYA
  • Furnaces
  • 58MVP
  • 58MSA
  • 58MCA
  • 58MXA
  • 58MTA

    Boilers
  • BW9
  • Programmable Thermostats
  • TSTATCCPRH01-B
  • TSTATCCPAC01-B
  • TSTATCCPHP01-B
  • TSTATCCP2S01-B
  • TSTATCCPDF01-B
  • TSTATCCSAC01
  • TSTATCCSHP01
  • TSTATCCPRF01
  • TSTATCCPB501
  • TSTSTCCPS701
  • TSTATCCPF701
  • Citi Financial 2006 Consumer Financial Program (effective April 1, 2006)