HVAC Financing

Central Air Conditioner  Low-Monthly-Payment


AC Financing Has never been easier to get a new Central Air system for your home and pay over time. A new heating and cooling system affect how you feel every moment you’re at home and accounts for around half of your home energy every month. So every cent you invest in a higher-efficiency Central AC system also improves your home’s value and energy savings. When combined with tax credits, rebates, and promotions, financing makes comfort remarkably affordable.

No Credit Check Loans

We understand what it is to maintain a household and family on a tight budget. Unexpected expenses can make Central air conditioning financing hard. We offer financing and no credit check loans Nice If we all had perfect credit but unfortunately, life happens and most of us have less than perfect credit. Whether good or not so good credit and looking for a loan we offer a soft probe credit check, we may have a financing option for you.

  • No down payment
  • Easy application process
  • Approval within 24 hours after you complete the application
  • Affordable repayment plans to fit your budget
  • NO DOWN PAYMENT and NO CREDIT SCORE for approval!

OPTION 1 – Ehancify

The process for approval is easy:

  • Soft pulls only – No impact on credit scores 
  • Instant results in 2 minutes or less
  • 0% Promotional APR offers
  • Credit scores as low as 550*
  • Loan requests up to $100,000*
  • Rates as low as 3.99%*
  • Financing in 2-3 business days
  • No equity or appraisal required

OPTION 2 – Microf

The process for approval is easy:

Submit supporting documents

  • Valid ID
  • Proof of Homeownership
  • Proof of Employment/Income
  • Proof of Homeowner insurance
  • Photo of Home
  • Confirmation/Verification of Customer information
  • Review contract options
  • The rental-purchase agreement is executed
  • Successful installation of your new Air Conditioning and Heating

Customers must be approved through Micro Financial after submitting a credit application directly to Microf

Once the customer receives financial approval from Microf

Ready to get started? Fill out the Online Application today



The Best Alternative To Traditional HVAC Financing:

Lease-Purchase Programs

Avoid large upfront payments and make monthly lease payments instead. No long-term commitment and you can own your heating and cooling unit outright once all payments have been made.

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 payments and early purchase option discounts. Eligibility Requirements Microf’s program is designed for Homeowners that have an active bank account, and a steady source of income. Homeowners must also show that they have a comfort level with one of the flexible monthly payment options offered by Microf. It is that easy. The following documents are accepted as verification of eligibility and are needed to complete the approval process:

 A completed online application

 Proof of income

    Central Air Conditioner Replacement

Trane Central AC
         If your AC system constantly needs repairs this may be a warning sign that it’s time to consider a new central ac unit.
Replacing your HVAC system comes with a higher cost than most repairs now you can potentially save energy and eliminate repairs.

        Are energy bills getting higher every month? Is your AC system running constantly? An old outdated unit is no longer be suitable. Have you noticed that your AC system is not as efficient as before, it may be time to consider replacing it? When a new system installed you lower your energy bills up to 35% and greater home health and comfort with 10 year manufactures warranty!

       Our professional installation teams are proud to install according to all local and state codes and manufacturer’s guidelines. To ensure satisfaction with your new Central air conditioning system. Our team will always inspect your ductwork for any repairs necessary, seal any gaps or holes, and repair any concerns. We maintain a clean working environment during the installation.

Repair Or Replace?

If your AC system constantly needs repairs then it’s time to consider a new central ac unit.
Replacing your HVAC system comes with a higher cost than most repairs now you can potentially save energy.

Do you know if need a new central air conditioning system?

Some of the most common signs:

  • Your Energy Killowatts consumption is Going Up more than 5% year by year.
  • It’s Getting Hot and Humid Inside.
  • You’re Getting Moisture Build-Up or Humidity Issues.
  • Your AC Is Loud or Trips The Breaker.
  • Your ac Runs constantly and the house won’t cool.
  • Freon keeps leaking out.
  • You keep having to make repairs yearly.

How much does it cost to replace a central air conditioning unit?

A replacement central air conditioning system starts at $2500 per ton plus an average of an extra $800-$1200 for Horizontal installations, Also Consider the Seers ratings you want.

How much does an air conditioner cost for a 1200 sq ft home?

Installing a central air conditioner into a 1200 square ft. home with an existing forced-air heating system (that has all ductwork installed properly) Basic costs between $5,000 to $5,600.

How much does an air conditioner cost for a 2000 sq ft home?

Installing a central air conditioner into a 2000 square ft. home with an existing forced-air heating system (that has all ductwork installed properly) Basic costs between $6,800 to $7,900

Can a Your Central Air Conditioner be Finance?

There are many finance companies that offer central air conditioning financing to homeowners that do not have the immediate monetary funds but can prove their ability to pay.

We can understand what’s like to support a family and household and how hard it can be to save for unexpected expenses, we offer financing options for our customers. Programs that include budget options like $0 down, no interest, and no payments for the first 18 months, or 0 percent interest for up to 84 months.
Low-interest options starting at 3% your payments may be as low as $99 a month, depending on the unit installed in your home.

Is Financing Your AC Unit is the Smart Choice?

When you need to upgrade your air conditioning unit, but don’t have the spare cash, financing a new unit is possible — but is it a good idea?

When the high humidity and 97 degrees temperatures in the Florida summer days with a high above 100 degrees Fahrenheit, properly functioning air conditioning is vital each and every day. Heat-related illness is a serious
business that can result in hospitalization or death if you can’t escape the brutal heat. For that reason alone, financing a replacement air conditioner should be seen as an investment
in your future.

Air conditioning financing is common, in areas where AC is more of o than a necessity is a must.

A recent study by the non-profit group NeighborWorks America found that 29 percent of American adults lack any amount of emergency savings, and an additional 21 percent only have enough savings to cover their
basic expenses for one month.

Can a New Central Air Conditioners Save Money?

If you’re upgrading from an air conditioner that was manufactured before 2007, The unit probably has a SEER rating of less than 11. Today’s air conditioners are generally rated at 14 SEER or higher, so the
potential savings could actually pay for your new financed system. Upgrading from a 10 SEER to a 14 SEER unit represents an average of 28% savings each month in your energy bill.

Modern AC units also use a much less expensive refrigerant, which has replaced R-22 (also known as Freon) as the industry standard. As your new unit ages, it will be cheaper to repair and recharge than your out-modeled R-22-based air conditioner. Because Freon is being phased out of production, the cost to work on outdated units will increase steadily, making them not only expensive to operate, but also expensive to maintain Being a homeowner comes with hard decisions, investing in a home increases its value, deciding how to do that can be a difficult choice. Should you update your central ac? Replace your ducts? The answer isn’t clear.

When it comes to your HVAC system, the decision-making process gets hard. Unless you’re an ac technician, it can be tough to tell whether a malfunctioning A/C or
you need a new central air. For homeowners, the decision is often is whether to repair or replace. Choosing to replace your old A/C is a new higher efficiency air conditioner so important you choose the correct unit for your home. It’s not a decision if, it’s when. But if your older A/C breaks down on a 100-degree day, you might not have a choice. You’ll have to make a quick decision. Much like an old car, air conditioners. By paying attention to the performance and your Electric bill you can start preparing for the purchase a new unit before you need it.

Here are the top four signs your A/C is nearing the end of its life.

Your Air Conditioner is More Than Ten Years Old

This may sound obvious, but if your A/C is getting older, you should start preparing for the purchase of a new unit. Modern air conditioners can last between 15 years. The health and efficiency of your A/C depend on a number of factors, including whether or not you properly maintained the unit throughout its lifetime. If you skipped changing the air filter and flushing or bleaching the drain line the A/C’s lifespan may be shorter than it was meant to be. The lifespan can also be affected by how often you use the unit, how hot and humid it gets in the area you live in, and whether or not the unit was sized correctly when it was purchased for your home. If you kept your central air conditioner maintained, expect to need a replacement in about 10-15 years. Keep in mind that as your A/C grows older, its mechanical parts can become unavailable or obsolete over time. If you aren’t able to replace a broken part, you will need to purchase a new unit.

Your Air Conditioner Frequently Breaks Down

If you’re experiencing breakdowns during the summer. Many common A/C issues are caused by a lack of maintenance, and getting your unit maintained will prevent them. HVAC technicians are also able to preemptively spot and correct any issues your A/C might be experiencing before the summer season begins.

Central Air Conditioner replacement

With this in mind, it’s a cause for concern if your A/C has multiple breakdowns despite regular maintenance. You might need to start thinking about replacement, Frequent breakdowns also mean frequent repairs, and the cost of those repairs can add up. It might be more economical to purchase a new unit rather than sinking money into expensive repairs—especially if your warranty has expired.

Your Energy Bills Have Skyrocketed

Unless there are any sudden changes in your home’s energy use, your energy bill should stay around the same amount every month, fluctuating a bit depending on the season. If your
energy use habits have stayed the same but your monthly bill has noticeably increased, it might be time for a new air conditioner.

Your A/C Uses R-22 Freon

R22 Freon is no longer being produced in the U.S. This may not sound like a big deal, but it could affect your home more than you think! If you own an air conditioner that is over ten years old, it probably uses R-22 Freon. R-22 was found to have negative effects on the environment, and the U.S. Environmental
Protection Agency (EPA) is phasing it out of use.

If your central air uses r22 Freon you can still use your A/C, We recommend you should start preparing for a central air conditioner change out. doesn’t use the R-22 refrigerant.