Get Your New A/C Fast & Affordably

HVAC Financing & Lease-To-Own Solutions


Low and no cost loan and lease purchase options

Approval rates up to 85%

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

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

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 meaningful monthly payment and early purchase option discounts.

 Click To Apply


Subject to Credit Approval.