Get Back to Comfort with Help from Microf

Do you need a new heating or cooling system and want to make monthly payments? We’ll help you find a plan that fits your needs and, more importantly, your budget.

Learn More About Our Programs

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At Microf, We Make the Process Fast and Simple

HVAC Lease-to-Own VS. Traditional HVAC Financing

Traditional financing allows you to purchase HVAC, even if you don’t have the ability to pay for the system outright. The inherent problem with traditional financing is it requires excellent credit to be approved. Our rent-to-own program air conditioning and heating differs from traditional HVAC financing in various ways.

Microf maintains ownership of the leased HVAC equipment until you pay the total cost-to-own provided in your written lease purchase agreement and you may cancel the transaction at any time without paying a penalty by surrendering the leased HVAC equipment to us. In addition, we regularly approve applicants with less-than-perfect or damaged credit.

Here's what you need to apply:

Be a Homeowner

Have Homeowner's Insurance

Proof of Income

No Recent Bankruptcies

Active Bank Account

flexible and affordable options


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

Jeremy D.

“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.”

Carl T.