Air Conditioning Financing With Poor Credit

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Air Conditioning Financing With Poor Credit

Have you ever wondered if you can receive AC financing with poor credit? If you have less-than-stellar credit, chances are you don’t think financing your air conditioner is in the cards for you. While this may be true for most financing companies, there are other options to consider. At Microf, we believe your comfort shouldn’t be expensive – or impossible. That’s why we offer a lease purchase program for you, where having a perfect credit score isn’t necessary or needed to qualify.

Lease Purchase vs. Financing

Your air conditioner is a big investment, and one of the most expensive items in your household. About 70% of American homeowners don’t have that kind of money to pay for their air conditioner upfront. That’s where financing or lease purchase programs come in handy.


Financing allows you to finance your HVAC system if you don’t have enough money in the bank to pay for it at the time of installation. The downside? Good credit is almost always essential in this case. Otherwise, you could be rejected to receive financing, or receive very costly, poor rates. If you don’t have good credit, financing can be an unlikely option for you.

Lease Purchase:

With lease purchase, you can get back to comfort without breaking the bank. While you don’t own the equipment outright, you have the chance to – eventually. Once you pay the total cost of the unit based on your signed agreement, it’s yours to keep! If you test drive the equipment and decide it’s not for you after all, the transaction can be canceled anytime without penalty. Not to mention, your FICO score is never used or considered in the final decision to approve, making this one of the best choices for homeowners today.

How Does Microf’s Lease Purchase Program Work?

You’ve heard us talk a lot about our lease purchase program – but how does it work, exactly?

  • Apply
  • Get Approved
  • Match with a Contractor
  • Have Your New Unit Installed

It’s that simple!

After you’ve applied, Microf will review your application to determine the best options for you moving forward. We’ll offer you hassle-free monthly payment plans that accommodate your needs and budget. Then, our team of experts will match you with some of the best contractors in the industry, to restore comfort in your home as smoothly and as quickly as possible.

The Approval Process

Even though you don’t need great credit to apply for our air conditioning lease purchase program, you’ll need other items in order to qualify.

  • Be A Homeowner
  • Homeowners Insurance
  • Active Bank Account
  • Social Security Number
  • Proof of Income
  • No Recent Bankruptcies
  • Photo ID

Having proof of these items gets you one step closer to getting approved.

Learn More About Microf’s Lease Purchase Program

Comfort in your finances is just as important as comfort in your home. Before considering the route of traditional HVAC financing, consider Microf’s lease purchase program. Whether your goal is to defer payments, lower your monthly payments, or something else entirely, Microf’s team works with you to meet your financial needs and goals. To learn more about our lease purchase program, contact us today at 855-642-7631 or fill out the form on our website.

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