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. We provide options for you, regardless of your credit history. Find your affordable plan and get back to feeling comfortable in your home.

Why Microf?

Flexible & Affordable Options

Do you want to make a monthly payment instead of paying cash? Are you afraid of stretching your wallet to thin? No matter your situation, we’ll help you find a plan that fits your needs and, more importantly, your budget.

Easy Approval

Getting approved is a quick and easy process whether you have excellent credit, good credit or bad credit.

Customer Focus

You and your comfort are our #1 concern. We want to make sure you’re satisfied with your plan so you can be comfortable in your home.

Why Microf

Product Information

Take a look at our products page to learn about our many offerings.

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.

How Do I Get Started?

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 we do 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.


Carl T.

“Everything was PERFECT! Amanda was outstanding, and Mr. Smith (A&S Heating & Cooling) was outstanding. I appreciate Microf helping me. Y’all are a fine company and good to work with.”

Jeremy D.

“All in all my experience has been pleasant. It was a great and an easy process. Very satisfied.”