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.
We continue to develop our offering with the new flexible financial solutions application. Whether our customer's priority is a low monthly payment, the length of the term, the total cost of ownership, or deferred payment, our solutions were designed for buyers across a broad credit spectrum.
We continue to develop our offering with the new flexible financial solutions application. Whether our customer's priority is a low monthly payment, the length of the term, the total cost of ownership, or deferred payment, our solutions were designed for buyers across a broad credit spectrum.
Services
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.
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 (6)
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
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!
Michael H.
Jul 17, 2019
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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!
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.
Chris C.
Jul 12, 2018
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