HVAC Financing

Get Your New A/C Fast & Affordably

HVAC Financing & Lease-To-Own Solutions

Get Back to Comfort with Help from Microf

Do you need a new heating or cooling system and want to make monthly payments? We’ll help you find a plan that fits your needs and, more importantly, your budget. Get Free AC Repair estimate Today!


Many homeowners wonder where to start when it’s time to replace their heating or cooling system. Microf makes it simple!

1    Submit Your Application

Register as a Consumer and fill out an application. Microf has options for every credit level.

2    Get Approval

Getting approved is a quick and easy process whether you have excellent, good, or challenged credit.

3    Have Your Unit Installed

A trusted local contractor will install your new system so you can get back to enjoying your home.






Low and no cost loan and lease purchase options


Approval rates up to 85%


Payment Estimator


Why offer AC financing?


A single online application with real-time decisions

Interest-Free, Low Monthly Pmt., Second Look and Lease to Own

Rapid and simple funding


None Traditional HVAC Financing


For our customers looking to build their credit, or those that don’t want to pay out-of-pocket for any reason





No Credit Check with Microf


If leaving the credit companies out of the picture is the way you’d prefer to go, MICROF can help you out. They offer a traditional ‘rent-to-own’ agreement that includes early-repayment discounts. You must be able to answer ‘Yes’ to the following 3 questions to apply and a response is usually returned within 24 hours. Do you own the house? Do you have homeowners insurance? Do you have a bank account?




Submit Your Application


How Do I Get Started?


Register as a consumer and fill out an application. Microf has options for all levels of credit.

Microf is a relationship-based company that places top priority on the wants and needs of our customers. Our innovative rent-to-own strategy provides unmatched flexibility to consumers through quick response times and multiple payment terms and options. Microf helps restore the heating and cooling needs of the consumer with an affordable monthly payment through our extensive contractor network. 5 Things You Need to Know About Microf:  We specialize in lease purchase options for residential replacement HVAC systems.

 We have a simple application process.

 We offer near-real-time Pre-Approval, Further Review, or Decline decisions.

 We offer convenient and affordable monthly renewal payment options based on 36, 48, or 60 months to ownership.

 Customers can take advantage of the meaningful monthly payment and early purchase option discounts.

 Click To Apply

Subject to Credit Approval.