Lease-Purchase Furnace Program

At Microf, we believe that all homeowners should have options to replace their home’s heating system. Our unique lease-purchase option is designed to help homeowners with a broad range of financial needs replace their home’s heating system. If you are looking for a convenient alternative to financing, then consider Microf. 

Get Approved for a New Heating System Today, Regardless of Credit Score!

If you fall amongst the 70% of Americans that do not have enough cash on hand to buy a unit outright, have credit score concerns, or have been denied HVAC financing from traditional lenders, Microf may have options for you. We understand that replacing your heating system can be a significant hardship. There is a large portion of the population that don’t qualify for traditional financing. That’s where Microf’s Lease-Purchase HVAC program comes in and rescues you from the harsh winter’s cold.

Microf does not use your FICO score to determine eligibility for a replacement heating system. Our goal is to help our customers be comfortable in their homes through a convenient application process and monthly payment with excellent customer service.

What is A Lease-Purchase Heating Program?

A Lease-Purchase Heating program is an alternative to financing that enables you to get a new heating system right now without a long-term obligation. Microf can approve you in minutes through a convenient application process and monthly payment, so you can get back to comfort ASAP. The term of the agreement is 1 month. After that, while you have the equipment, the agreement renews for additional 1-month terms until you own the equipment or surrender it to us. You may surrender the leased equipment at any time to terminate the agreement, without penalty. Learn more about our program and get the right solution to your HVAC financing difficulties. Microf offers an Early Purchase Option for meaningful savings on the total cost of ownership, as well as a 5% discount on the monthly lease payment with a recurring scheduled payment arrangement.

Are you interested in our payment plans? Get an estimate with our payment calculator!

With Microf's Furnace Lease-Purchase Plan, Qualifying is Easy!

At Microf, we don’t use consumer reports from the three major consumer reporting agencies (Equifax, Experian, and TransUnion) or your FICO score for our Lease-Purchase Program, we use alternative consumer reporting agencies and custom scoring models. So many people are eligible for our program, it’s easier to name the people who aren’t:

Microf's Eligibility Requirements

If you choose to have a Co-applicant, we will also need their social security number and proof of income.

Concerned about your eligibility? Give us a call at 855-642-7631

Payment Estimator

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Important Conditions and Restrictions.

·       Not all options are available in all markets.

·       Minimum lease amount is $2,500. Lease-purchase options are available for primary or vacation/second homes, but unavailable for non-owner occupied investment/rental properties.

·       In CA, CT, IA, ME, NY, OH, PA, and WV, the 60 months-to-ownership option is not available, the 36 and 48 months-to-ownership options require a 5% contractor discounted invoice, and the minimum lease amount is $3,000. Lease-purchase transactions not available in AK, HI, MN, NJ, VT, WI, and WY.

·       Early Purchase Options vary by state.