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Financing Your New Air Conditioning or Heating Equipment Purchase

SVEC Financing

Quick & Easy Financing for Heat Pumps


We offer heat pump financing at low interest rates and with no down payment for qualified residential members.
Plus, the loan payment can be added to your monthly power bill.

The SVEC heat pump financing program includes heat pumps and the labor associated with their installation.

For information on how to obtain a rebate for your high efficiency heat pump, go to eScore on this website.

If you have any questions about heat pump financing, please refer to the "Financing Facts" below or call your local office or send us an email.

Annual Percentage Rates (APRs) were effective as of 7/1/2015 and may change at any time without notice. Loans with equipment can be financed up to 120 months (10 years). All loans are subject to credit approval. The APR is 6% for loans with HVAC equipment meeting ENERGY STAR criteria. The APR is 8% for loans with HVAC equipment not meeting the ENERGY STAR rating.

For a loan of $10,000 over 120 months, with APR of 6% (ENERGY STAR HVAC) the monthly payment would be $112.02 with a final payment of $110.47.

For a loan of $10,000 over 120 month, with APR of 8% (lower efficiency HVAC) the monthly payment would be $121.33 with a final payment of $120.52.

Fees due prior to loan closing include applicable fees to obtain a lien against the property where the improvements are installed and to inspect installations.

This program is financially assisted by the Tennessee Valley Authority and is offered on a non-discriminatory basis, without regard to race, color, national origin, age, sex, or disability.

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Hassle Free Monthly Payments with no credit necessary!

Microf is a relationship based company that places top priority on the wants and needs of our customers. Our innovative rent-to-own strategy provides unmatched flexibility to consumers through quick response times and multiple payment terms and options. Microf helps restore the heating and cooling needs of the consumer with an affordable monthly payment through our extensive contractor network.

5 Things You Need to Know About Microf:

  • We specialize in lease purchase financing for residential replacement HVAC systems.
  • We have a simple application process.
  • We offer near-real-time Pre-Approval, Further Review, or Decline decisions.
  • We offer convenient and affordable monthly renewal payment options based on 36, 48, or 60 months to ownership.
  • Customers can take advantage of meaningful monthly payment and early purchase option discounts.

Call us for more information on how the Microf program can work for you.

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