Q: What products and services qualify for financing with Vista Credit?
A: Most home improvement products and services costing $1,000-$100,000.
Q: How does home improvement financing work?
A: Vista Credit purchases the products and services you select from the supplier you select. You then make your monthly payment to us for an agreed upon term.
Q: Who owns the rental equipment?
A: Vista Credit owns the rental equipment until you decide to purchase it.
Q. Where do I get my warranty and service?
A. Warranty and service are provided by your installing dealer. All rental equipment comes with a complete 10 year parts and labor warranty.
Q. What are my payment options?
A. In order to keep our rates competitive, Vista Credit uses PAP (pre-authorized payment) to debit your bank account for your monthly payment or you can pay via your monthly Enbridge gas bill.* You can change your current payment option by visiting the CHANGE MY BANK INFO page in the Customer Service section. If you are an alarm monitoring customer, you can also choose to pay by credit card.
Q. When is the first payment due and when is the amount withdrawn?
A. If paying by PAP, the 1st payment is due at the time of contract signature or the day the work is completed. The next payment is due on the 1st or the 15th of the month, depending on what you choose. If paying via the gas bill, your payment will be due on the first billing cycle after the work is completed.
Q. Can I purchase the equipment at any time?
A. Yes. The Vista contract can be paid off at any time by purchasing the equipment. Simply call our toll free number 1- 877-31VISTA(84782) and speak with a customer service representative, or complete the REQUEST A BUYOUT Form in the Customer Service section to find out more about your buyout options.
Q. What if I sell my house during the contract period?
A. Most Vista contracts can be transferred upon sale of your home providing the buyer agrees. To transfer your contract, see the ARE YOU MOVING section or contact a customer service representative. Make sure you disclose any rental or financed equipment in your listing. Vista will assist you in assigning the contract to the new homeowner or process a buy-out of the equipment. If you are moving, please visit visiting the ARE YOU MOVING section and complete the on-line form.
Q: Can I cancel my rental agreement?
A: Rental contracts are for whatever term is shown on the contract. However, you can purchase the equipment at any time or transfer the responsibilities to a subsequent homeowner. In some cases, and with Vista’s written permission, the equipment can also be moved to another location.
Q: What happens at the end of the rental agreement?
A: For rental or lease agreements, you will have an option to purchase the equipment at the end of the contract for a nominal pre-determined price, which will be disclosed to you when you sign your contract.
* At your option, Vista Credit’s charges will appear on the other companies section of your Enbridge Gas Distribution bill. These offers and claims are made by Vista Credit alone. Vista Credit is not owned by or affiliated with Enbridge Inc. or Enbridge Gas Distribution