Don’t let a major expense disrupt your life.

Affording an HVAC system that keeps you comfortable in your own home shouldn’t feel like a pipe dream. We’ve helped thousands of customers just like you find flexible, affordable solutions. Microf offers flexible payment plans to fit your budget, regardless of your credit history. Find your affordable plan and get back to feeling comfortable in your home.

Why Choose Microf?

Do you have less than perfect or even damaged credit? That is ok. Microf’s lease-purchase program was designed with you in mind. At Microf, we believe everyone should be comfortable in their own home.

Damaged Credit? Not a Problem

Unlike traditional HVAC financing, our lease-purchase HVAC program doesn’t require excellent credit. Microf can offer a payment plan for the entire credit spectrum. Even if you have challenged credit (under 680), Microf can offer you a payment plan solution. 

Flexible Payment Plans

Do you want to make a monthly payment instead of paying cash? No matter your situation, we’ll help you find a plan that fits your needs. With our lease-purchase HVAC program, installment plans are progressively adaptable, so you can pick a regularly scheduled installment that is perfect for your spending plan. 

Budget-Friendly Monthly Payments

Are you afraid of stretching your wallet too thin? At Microf, we’ll help you find flexible payment plans to fit your budget. 

Why Microf

Ready to Get Started?


Take a look at our products page to learn about our lease-purchase program and what you need to apply.

Submit application

Submit Your

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

Find contractor

Get Connected with
a Contractor

Select the best financial option for you, and we’ll connect you with a local contractor in your area.

If you can’t submit an online application please email us or call us at 855-642-7631.

Frequently Asked Questions

Start by completing and submitting an online application. Or, call Microf at 855-MICROF1 (1-855-642-7631) to apply by phone. Press 2 for Consumers and then press 4 to apply by phone.

Approval can usually be given shortly after the completed online application has been received with all supporting documents.

Call 855.642.7631 to speak with a Microf representative or click here to find actively enrolled contractors in your area

Microf provides several affordable and flexible lease purchase options to accommodate most budgets. Check out our Rental Purchase Agreement Payment Estimator *Remember that discounts may apply!

Microf does not use your FICO score to determine eligibility. Your FICO score is typically reported by large consumer reporting agencies such as Equifax, Experian, and TransUnion. Microf does use scoring models provided by other consumer reporting agencies and may report positive/negative payment histories to them.

You can mail your payment to Microf at P.O. Box 70085 | Albany, GA 31708.

Yes, you are welcome to apply for Microf’s lease-to-own product. Microf may be able to help some homeowners who have satisfied their bankruptcy payment plans.


Lease-purchase transactions not available in AK, HI, VT, MN, NJ, WI, and WY.