Tired Of Your Credit Score Defining Your Story? We Are, Too.

purchasing a new unit is easy
with microf's lease purchase program
No Credit Needed!*

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.

hassle-free Monthly Payments

We offer multiple payment terms and options for homeowners, even with poor or damaged credit. 

Simple Application Process

Fast, easy approval process. You only need an ID, active bank account, and steady income.

Help When You
Need It

We work with the best contractors around the country to install and maintain your unit.

How It Works​

Need A New HVAC System?
Learn More About How It Works!

Three Simple Steps


Submit Your Application

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


Get Connected With a Contractor

We work with qualified, local contractors across the country to install your unit.


Make Automatic Monthly Payments

Choose the payment option that best fits your needs.


HVAC Lease-to-Own Options

Microf was established in 2010 to accommodate the growing demand for more flexible options for purchasing a residential heating and cooling system.

We are a relationship-based company that places top priority on the wants and needs of our customers. When paying for a new HVAC unit upfront isn’t an option and you don't qualify for traditional financing, Microf is your solution. Our trusted contractors will get your unit up and running fast, so you don’t have to sweat the heat or freeze in the cold. We’ll make sure you get the perfect unit for your home, regardless of your FICO score. You can trust Microf for all your HVAC lease-purchase needs.


*No Credit Needed does not mean or imply that no inquiry will be made of credit history or creditworthiness. Our underwriting process allows us to consider people with less-than-perfect or damaged credit. We look at many other data points – including income and banking history – and regularly approve people with less-than-perfect credit or limited credit history. Microf obtains information from consumer reporting agencies. Not all applicants are approved.

*Transaction Advertised is for a rental purchase agreement, lease purchase agreement, consumer rental purchase agreement, rent to own agreement, lease agreement with an option to purchase, or lease where applicable. Ownership of leased/rental property is not acquired until all required payments are made or early purchase option is exercised. Ownership is optional. For CA residents, if you payout your agreement within 90 days, you will pay the cash price, plus tax and applicable fees (if any). In NC, the final payment will be an amount greater than the normal monthly payment as stated in the agreement. Not available in AK, HI, MN, NJ, VT, WI, WY.