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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 pay off


Repayment of loan

You can pay your lease back at any time. The longer you hold the lease, the more you will need to pay. Even if the company doesn't have any interest, it issues sums for an agreement renewal. They are accrued each month.

You can view and pay your bills online through your Microf personal account. There are options to pay back your lease online by signing into your account and making payments with Visa, MasterCard, Discover, Google Pay, Apple Pay, or eCheck.

You can also opt to mail cheques. The payments must be mailed to 1000 Holcomb Woods Parkway, Suite 417 | Roswell, GA 30076.

Early payoff

You can pay your lease at any time. The agreement term only lasts one month. Each renewal will cost you additional sums, and the amount depends on the state you are in and the amount you borrowed. The earlier you pay back, the lower payment you will need to contribute to Microf.


How can I repay Microf?

You can pay Microf back by online systems through the website. Microf supports Visa, MasterCard, Discover, Google Pay, Apple Pay, or eCheck methods of payment. You can also pay by mail. 

Can I extend my Microf payment term?

Yes, each extension will cost you additional sums. You can estimate them by inputting the sum you want to borrow into the Payment Estimator on Microf's website.

What if I don't pay Microf back?

If you don't pay back, Microf will take the property you leased in the agreement back.

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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