Low Credit? No Problem! Microf Is Here to Help.

Do you have credit score concerns? Have you been denied for HVAC financing from traditional lenders? Consider Microf. We are a relationship-based company that places top priority on our customers’ wants and needs. 

Have credit score concerns? Consider Microf.

If you have credit score concerns or have been denied for HVAC financing from traditional lenders, Microf may have options for you. We are a relationship-based company that places top priority on our customers’ wants and needs. 

Currently, few major lenders provide flexible solutions to the HVAC industry and its consumers. Our innovative rent-to-own strategy provides unmatched flexibility to consumers through limited declinations, quick response times, and multiple payment and contract term choices. We pride ourselves on three core initiatives: Customer Focus, Easy Approval Process, and Flexible Options.

Microf is here to help consumers who may have been declined for HVAC financing for a replacement heating and air system. Microf provides several affordable and flexible lease purchase options to accommodate most budgets. Check out our Payment Estimator. Getting approved is a quick and easy process, even if you have less-than-perfect or damaged credit.

What Will You Need to Apply?

Microf regularly approves applicants with less-than-perfect or damaged credit. Our goal is to help our customers restore their heating and cooling needs with an affordable monthly payment and an excellent customer experience.

Be a Homeowner

Have Homeowner's Insurance

Proof of Income

No Recent Bankruptcies

Active Bank Account

flexible and affordable options

How the Process Works

Submit Your Application

Register as a consumer and fill out an application. Microf has options for all levels of credit. Apply Now!

Get Connected With a Contractor

We work with the best contractors around the country to install and maintain your unit.

Have Your Unit Installed

Select the best financial option for you, and we’ll connect you with a local contractor.

Ready to Get Started?


“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.