Low Credit? No Problem!
Microf is Here to Help.
How the Process Works
Submit Your Application
Complete our quick and easy online application on your computer or
mobile device and get a decision in minutes.
Select Your Payment Option
A Microf Representative will work with you to
select the payment term and amount that best fits your budget.
Make Your Initial Payment
Your initial payment amount is based on the term length and monthly payment selected that best fits your budget.
Have Your Unit Installed
Microf provides real-time contractor alerts for approved status and make the installation process easy for you and your contractor.
What will you need to apply?
Microf regularly approves applicants with less-than-perfect or damaged credit. Our goal is to help our customers restore their heating and cooling needs with a convenient monthly payment and an excellent customer experience.
Our Service Area
Find your local reliable HVAC & Water Heater Contractor
Find your local contractor