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Apply For Financing In Craven, Beaufort, Pitt, Lenoir, Carteret, and Surrounding Eastern, NC

Air Conditioner And Furnace Financing Facts

No one wants to hear those fateful words, “It’s time to replace your central heating or cooling system.” Sooner or later, no matter how long your equipment has been running, your heating and cooling system will need to be replaced. But when that time comes, your wallet may not be ready! That’s where financing can help keep you comfortable!

What Is HVAC Financing?

HVAC financing helps spread the cost of new equipment or entire systems over a predetermined amount of time. Why dip into savings you may have earmarked for another purpose, add to an existing credit card balance or even consider a home equity line of credit? Financing can be an effective means to fit a replacement system or equipment into your budget without breaking the bank.

Base Your Decision on Comfort, Not Budget – Apply for Consumer Financing *

There are many financing options available to make your new home comfort system affordable that can fit almost any budget. Your new home comfort system is a very important investment that can offer energy savings for many years to come. If you’d like to enjoy the comfort that comes from a high-efficiency home comfort system installed by our professional HVAC technicians, then please complete the form below to get started.

  • Low monthly payments
  • Competitive interest rates
  • No down payment required



Microf was established in 2010 to accommodate the growing demand for more flexible options for replacing residential heating and cooling systems. Our goal is to restore the heating and cooling needs of every consumer with an affordable monthly payment. We achieve this goal through our strategic network of actively enrolled contractors like Lilly Enterprises HVAC.

We continue to develop our offering with the new flexible financial solutions application. Whether our customer’s priority is a low monthly payment, the length of the term, the total cost of ownership, or deferred payment, our solutions were designed for buyers across a broad credit spectrum.

Microf believes that all consumers should have options when it comes to replacing their heating and cooling system. Our unique lease-purchase option is designed to help homeowners with a broad range of financial needs to replace their heating and cooling system.

Completing the  online application will help us determine the best options for you. Credit less than perfect or even damaged? That’s ok because Microf’s lease to own products are designed specifically with you in mind. And, you can apply directly online and Microf will connect you with a contractor in your area. Click “apply now” button below to complete the online application.



A Wells Fargo Home Projects credit card is an easy and convenient way to pay for your Wells Fargo Home Projects purchases. Plus, as a Wells Fargo Home Projects card holder you can enjoy other great benefits throughout the year, such as:

  • Special promotional offers where available
  • Revolving line of credit that you can use over and over again
  • Quick credit decision
  • Convenient monthly payments to fit your budget
  • Easy-to-use online account management and bill payment options

The Wells Fargo Home Projects credit card is issued by Wells Fargo Bank, N.A. with approved credit. Apply for the Wells Fargo Home Projects credit card by selecting the button below.

If you choose to apply online, you must provide an e-mail address. If we are able to complete the evaluation of your application within approximately 45 seconds, we will notify you of the credit decision online.

Lilly Enterprises can provide you with a great financing offer for a new system. See your independent Trane Dealer (Lilly Enterprises LLC) for financing options. Call 252-244-0038.

Before applying for the Wells Fargo Home Projects credit card, we want you to be informed that LILLY ENTERPRISES has many financing options.  We can offer multiple financing options, such as 12 months special interest with approved credit.  

*The Wells Fargo Home Projects credit card is issued with approved credit by Wells Fargo Bank, N.A., an Equal Housing Lender.  Apply for the Home Projects credit card by selecting the button below.

We Are Proud to Offer Services in Craven, Beaufort, Pitt, Lenoir, Carteret, and Surrounding Eastern, NC. Contact us Today!

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