Avoid large upfront payments and make monthly lease payments instead. No long-term commitment and you can own your heating and cooling unit outright once all payments have been made. We offer multiple payment terms and options for homeowners, even with poor or damaged credit. Microf was established in 2010 to accommodate the growing demand for more flexible options for purchasing a residential heating and cooling system.
We are a relationship-based company that places top priority on the wants and needs of our customers. When paying for a new HVAC unit upfront isn't an option and you don't qualify for traditional financing, Microf is your solution. Our trusted contractors will get your unit up and running fast, so you don't have to sweat the heat or freeze in the cold.
We'll make sure you get the perfect unit for your home, regardless of your FICO score. You can trust Microf for all your HVAC lease-purchase needs. Our underwriting process allows us to consider people with less-than-perfect or damaged credit.
We are a relationship-based company that places top priority on the wants and needs of our customers. When paying for a new HVAC unit upfront isn't an option and you don't qualify for traditional financing, Microf is your solution. Our trusted contractors will get your unit up and running fast, so you don't have to sweat the heat or freeze in the cold.
We'll make sure you get the perfect unit for your home, regardless of your FICO score. You can trust Microf for all your HVAC lease-purchase needs. Our underwriting process allows us to consider people with less-than-perfect or damaged credit.
Services
Microf was established in 2010 to accommodate the growing demand for more flexible options for replacing residential heating and cooling systems. Our goal is to restore the heating and cooling needs of every consumer with an affordable monthly payment. We achieve this goal through our strategic network of actively enrolled contractors.
Affording an HVAC system that keeps you comfortable in your own home shouldn't feel like a pipe dream. We've helped thousands of customers just like you find flexible, affordable solutions. Microf offers flexible payment plans to fit your budget, regardless of your credit history. Find your affordable plan and get back to feeling comfortable in your home.
Microf believes that all consumers should have options when it comes to replacing their heating and cooling system. Our unique lease-purchase option is designed to help homeowners with a broad range of financial needs replace their heating and cooling system. Completing the online application will help us determine the best options for you.
We work with the best contractors around the country to install and maintain your unit. With help from Microf, you can quickly find a local and trustworthy HVAC contractor to fix or replace your heating and cooling system quickly. Microf is not an HVAC company, but we are happy to refer you to a HVAC contractor near you that meets Microf's standards.
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. If you have credit score concerns or have been denied for HVAC financing from traditional lenders, Microf has options for you.
Reviews (9)
Wandra C.
Aug 04, 2020
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Don't walk but run when you hear the word Mucrof! Microf is a PREDATORY LENDER. Think TitleMax Their intentions are to install a low quality system for which you pay high monthly installments with an end date where you own the systems. Your monthly bill commences once approved although your system may not be installed until weeks later So you start up an account already behind the 8 ball. You may pay for years, but the closer you get to the end where you own the system, the more aggressive they will become about a late or missed payment - offering you to just return system. After 4-5 years
Mitch M.
Oct 11, 2019
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Karen L.
Jul 26, 2019
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Find another way! I looked into this company at the suggestion of my A/C company. I was $3400.00 short to replace my AC. This is not a finance company as I was told but rather a rent to own so in essence you are paying a mortgage & rent at the same time. The term i was given is 36 months at $187.00 a month that = $6732 in order to borrow $3400.00. My personal opinion is that this company is really taking advantage of people!
Brandyn S.
Jun 05, 2019
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I filed bankruptcy 2/27/19 due to the fact I had an overwhelming amount of Medical Bills, I am not filing on my house car or my furnace. My bankruptcy was supposed to be discharged on 5/25/19, however no one can get a hold of anyone with MICROF for a reaffirmation agreement. My attorney has attempted for months to get get a hold of someone with the company so they can get one, they have called emailed and faxed with no response. I have called numerous times and they say they have a high call volume and to leave my number and someone would get back to me and no one ever has, and I have sent e-mails
Catherine C.
May 20, 2019
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Thank goodness I did my homework before signing on with this company. Getting a new AC put in and was told this is who the dealer uses. A recent consumer guru was just taking about companies like this one where you think your getting a loan only to find out you own nothing. You are actually "leasing" the AC. I worked in finance for over 20 years and I know all about "leasing." Thank you to those who posted reviews!
Kay F.
Apr 16, 2019
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First of all, I am paying $17000.00 for a 7000.00. My first mistake was using Fayette Heating and Air to even attempt this transaction. Secondly, I didn't know that I would be UNABLE to close on my home, which is for sale, until this thing is paid. Microf told me that yesterday. Microf is great about taking their inordinate amount of money every month, but to take control of my home??? I think it is time to get a lawyer involved because this home is selling. They gave me no clue that they would take control of the house when I bought the AC/Heat unit. This is egregious manipulation of someone
Paul B.
Dec 19, 2018
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This company takes advantage of those less fortunate in times of need. I needed a new A/C and due to recent bankruptcy I could not get a loan. In the middle of July, I had no choice but to sign up for the program. 4 years later, I am still paying for this ac unit, and my request for the amount left to pay it off goes unanswered. This loan rental whatever, should have been paid off by now, this was a simple a/c coil replacement. As far as I am concerned they can come pick up there 4 year old a/c coil and compressor. Borrow from family, steal if you have to, just avoid this mistake.
Tj J.
Jul 31, 2018
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This is probably the worst finance company I have ever inquired about a loan through. After 3 days of dealing with them I have had enough. They dont utilize credit to make their decisions yet run a credit check, I'm a strong 737 with a year to date of income 10 times the amount of the loan and we are only half way through the year. I sent three pay stubs and still it was not sufficient. I called navy and the money was deposited within 5 minutes. This company is awful. Avaoid at all costs!!!!!
Chris C.
Jul 12, 2018
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