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0% No Interest Special Financing - Click Here

No Credit Check Financing


No Credit? No Problem! Microf Guarantees Approval!

Microf is a relationship-based company that places top priority on the wants and needs of our customers. Currently, there are few major lenders providing flexible solutions to the HVAC industry and their consumers. Microf’s innovative rent-to-own strategy provides unmatched flexibility to consumers through limited declinations, quick response times, multiple payment options, no credit checks and extensive contract term choices. We pride ourselves on three core initiatives: Customer Focus, Ease of the Approval Process, and Flexible/Affordable Options.

*Financing through Microf is not subject to Precision’s No Interest Financing Promotion, variable interest rates do apply depending on customers eligibility. Please speak with your Microf Relationship Manager for more details.

Financing Features:


Customer Focus

Competent and capable Relationship Managers specializing in assisting you with the restoration of your residential heating and cooling needs with unparalleled customer care.

Get a quick decision!

No down payment or credit score is required for approval. Receive a response within 24 hours.

Guaranteed Approval

Microf Guarantees Approval

Microf’s innovative rent-to-own strategy provides unmatched flexibility to consumers through quick response times and convenient payment terms/options


Flexible and Affordable Options

Microf offers hassle-free rental purchase financing options to a wide range of consumers.

A winning combination

Precision Heating & Air, Carrier®, and Microf: Unprecedented quality of service, Premium Home Comfort System, and quick guaranteed financing makes this program a winning combination any way you shake a stick at it!



Microf’s program is designed for Homeowners that have a valid photo ID, an active bank account, and a steady source of income. Homeowners must also show that they have a comfort level with one of the flexible payment options offered by Microf. It is that easy.

The following documents are accepted as verification of eligibility and are needed to complete the approval process:

  • A completed online application
  • Valid photo ID
  • Proof of income
  • Pictures of front and back of home
  • Copy of Dealer’s proposal

Simple Application Process

  1. A completed online application
  2. Interview with a Microf Relationship Manager
  3. Choose an affordable monthly payment option and make first monthly payment
  4. Electronically sign the Rental Purchase Agreement
  5. Dealer completes the installation and the homeowner signs the installation acknowledgement form

*The financing advertised is for a rental purchase agreement through Microf. Ownership of leased merchandise not acquired until all required payments have been made by the lessee and lessee exercises the purchase option. Not all services and benefits available in all states. Please contact your Microf Relationship Manager for more details.