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 great to excellent credit to be approved. Rent-to-own air conditioning and heating differs from customary HVAC financing in various ways.

In traditional financing the customer owns the equipment immediately, but in our Lease-Purchase program Microf maintains ownership until the payment plan is completed. The benefit of leasing platform is the customer can cancel their payments and return the unit with no financial penalties. Also due to the unique nature of the platform, Microf can approve customers regardless of credit status.

Here's what you need to apply:

Be a Homeowner

Have Homeowner's Insurance

Valid Photo ID

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.