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Bryant® Factory Authorized Dealer

24 Hour Emergency Service

Serving Southern Illinois

Easy Financing

100% Satisfaction*


423 South Court St
Marion, IL 62959

Office Hours

Mon – Fri 8:00 – 6:00
24 Hr Emergency Service


(618) 997-5288

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Rent To Own Financing

Financing Your HVAC Equipment

The full upfront cost of a new HVAC system isn’t always in the budget, especially when it comes as a surprise to the homeowner. Luckily we have you covered with both traditional credit-based financing and our unique lease to own options.

No credit check required

Microf’s innovative rent-to-own strategy provides unmatched flexibility to consumers through quick response times and multiple payment terms and options. They restore the heating and cooling needs of the consumer with an affordable monthly payment.

Hassle-Free product option features:

  • Convenient Online Application
    Minimum Financial Requirements Needed for Approval
  • EARLY PAYOFF options
  • FLEXIBLE monthly payment options
  • QUICK response times
  • Microf specializes in rent-to-own options for residential replacement HVAC systems.


Microf’s program is designed for homeowners (contract for deed properties do not qualify unless registered with the county) who have an active bank account and a steady source of income. Homeowners must show that they have a comfort level with one of the flexible monthly payment options offered by Microf.  Minimum financial requirements are needed for approval. It is that easy!

  • The applicant must be the homeowner.
  • Provide Valid ID
  • Have Homeowners Insurance
  • An active bank account
  • Verification of monthly income within the last 30 days

The following documents are needed for approval:

  • A completed application
  • Proof of Income


  • Reverse mortgages
  • Rent-to-own or Lease-to-own properties
  • Homes on rented land (e.g., mobile home park)
  • Certain bankruptcy filings may prevent lease origination
  • This is not for the HVAC Equipment

Microf Financing Frequently Asked Questions

How do I know if I qualify?
If you are the owner of your home, have homeowners insurance, an active bank account, and proof of income? You qualify!

How do I apply?
The application is simple and can be completed online by clicking HERE

What does Microf Financing cover?
Microf can finance all HVAC (Heating & Cooling) equipment and accessories!

What doesn’t Microf Financing cover?
Ductwork fabrication, installation, or changes. However, in most change-out applications, this is usually unnecessary. If ductwork is needed we are happy to complete this for you by providing a separate estimate if needed.

How much will my payment be?
That all depends on what you need! We give FREE no-obligation estimates so don’t hesitate to contact us to find out what a new rent-to-own heating system would cost for your house!

How will the work you do for me be different?
It won’t be! Your job will be completed with the same equipment, the same warranty, and the same great service you have come to expect from Fowler Heating & Cooling.

Will my credit be affected by a Microf inquiry?
There will be no hard credit inquiries when applying for financing through Microf.