Want To Know The Best Advice For Financing A New HVAC Unit?

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financing hvac, financing a new hvac unit, best options for financing, lease-purchase, lease-purchase hvac

Want To Know The Best Advice For Financing A New HVAC Unit?

If you want to know the best advice for financing a new HVAC unit, then you’ve come to the right place. Did you know roughly 70% of Americans don’t have the money to pay for an HVAC unit upfront? That’s why having options is essential to ensuring you’re comfortable in every season – without breaking the bank.

Determine Your Needs and Your Budget

Buying a brand-new heating and cooling system can be costly. In fact, it’s one of the most expensive household appliances you’ll ever own. If you can’t afford to purchase an HVAC unit outright, make sure you are choosing a financing plan that fits within your budget and your needs. If traditional financing doesn’t do that for you, consider a lease purchase program – like the one Microf offers.

Ask The Right Questions

When you meet with an HVAC company, it’s important you are asking the right questions. Here are some questions you may want to consider asking during your estimate:

  1. How much is this going to cost?

Ah, yes. The biggest concern of all with any large purchase – money. First, you’ll want to find out how much your new unit is going to cost. Then, you’ll want to determine if it’s something you can pay for upfront, or if it’s something you’ll need to lease or finance.

  1. What are your financing options?

Most contractors offer financing options – but some don’t. Before you get yourself in hot water (no pun intended), make sure you know exactly what your options are and what this will look like for you.

  1. Do I qualify for financing?

If you have low credit, you may find yourself asking this question – a lot. Traditional financing companies require a good credit score for you to be able to qualify. Many homeowners have concerns when it comes to that, so this is an important question to be asking.

Explore Your Options

There are several types of financing options out there. Four common types are:

  1. Credit Cards
  2. Personal Loans
  3. Home Equity Loans
  4. Contractor Financing

While there are many ways to finance your HVAC unit, financing isn’t always the best option and can be risky. Our advice? Consider a lease purchase program, like the one we offer!

What’s So Great About Microf’s Lease Purchase Program, Anyway?

  1. Hassle-Free Monthly Payments

At Microf, the needs of our customers come first. We believe everyone deserves to be comfortable in their home. That’s why we’re proud to offer hassle-free monthly payments. You can have peace of mind knowing you can enjoy comfort in your home (and in your wallet) without having to compromise one or the other.

  1. Contractual Support

After you apply and get approved for our program, we’ll connect you with an HVAC company that can help you install and maintain your unit fast and efficiently.

  1. No Credit Checks

If you have low, poor, or even damaged credit, that’s OK! We don’t use your FICO score to determine eligibility for lease purchasing, so there’s no need to worry.


Interested in learning more about what our lease purchase program can do for you? Apply today.



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