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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Microf's account


How to register an account

To create an account with Microf, you need to become a customer of the company. Click the "Apply Now" button on the main page of Microf's website.

You will be redirected to the pre-qualification information form. Choose a homeowner option and provide your email address. Click Continue, then create a password, and click Continue again. Fill in your first and last name and phone number, then state the address you will be making the home improvement. Provide your date of birth, then enter the last four digits of your Social Security Number.

Personal account features

Through the personal account on the Microf's website, you can:

  • Apply for the lease,

  • Make payment,

  • Renew your agreement,

  • Cancel your lease, and

  • Manage your account.

You can use your account by clicking Apply Now and choosing the option "Contractor/Returning Customer."

How to reset a password

In order to change your password if you've forgotten it, go to the Microf Portal and tap the "Forgot Password" button. You will require entering your email address, as well as your first and last name. The company will send you a message with instructions for resetting your password.

How to delete an account

Deleting your account means you no longer want to be a customer of Microf. To initiate the deletion procedure, you will need to contact Support (855) 642-7631 and request the deactivation.


Can I apply for a Microf loan online?

Yes, you can register an account on Mircrof's website and apply for a lease online. Click Apply Now and fill in your personal information, homeownership, and financial details. 

Can I make payments for a Microf HVOC through a website?

Yes, you can make payments through the website by clicking the "Pay Online" button. Sign in to your account and choose the payment method. There are Visa, MasterCard, Discover, Google Pay, Apple Pay, and eCheck payments available.

Calculate loan payments in Microf

Microf calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

3000 $
5000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Microf

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Microf and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Microf’s reviews by October 2022
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