Stay Covered with Vista – Why Renew, Don’t Rush to Buyout
You’ve come this far – don’t lose the benefits.
When your lease term nears its end, you might consider buying out your equipment outright. Before you make that leap, know what you may lose – and what you keep by renewing or staying with Vista. Renewing your lease ensures you continue enjoying premium protection, predictable costs, and peace of mind – without the financial burden or risk that comes with owning.
What Do You Risk by Buying Out
1. Sudden exposure to repair and maintenance costs- Once you own the equipment, Vista’s coverage no longer applies. You become responsible for every breakdown, wear, or repair –even when equipment components age.
2. Unpredictable expenses- Home systems age. Wear, unexpected failures, and part replacements quickly add up. Owning outright means introducing financial risk to what used to be fixed, predictable costs.
3. Loss of support & service guarantee- Our contractor network is optimized for customers under contract. Moving outside may reduce your access to guaranteed timely support, preferential scheduling, or emergency response.
4. No more flexibility- Want to transfer or relocate? Renewing or continuing the lease keeps the same transfer privileges.
5. Reduced leverage for upgrades- When you stay with Vista, you gain the opportunity to streamline upgrades or bundle systems over time. Ownership can fragment your options and make upgrades more costly.
Why Renewing is Often the Smarter Move
Continued full coverage- your repairs, servicing, and part replacements remain included – just as they have been throughout your lease.
Stable, predictable payments- No surprise costs. Your monthly obligations remain transparent and manageable.
Support from our contractor network- Trusted local professionals continue servicing your systems under the same standards you rely on.
Flexibility and continuity- should you upgrade, relocate, or transfer, your contract stays fluid. Want to trade in for a new model later? You're already in the system.
Lower total cost of ownership- You avoid the risks and hidden costs that come with buying out
How to Renew with Vista
· Review your current contract
· Contact us before your renewal deadline
· Choose your path – renew, upgrade, or extend term for more stability
· Sign electronically & continue peace of mind
BUYOUTS
Understand your buyout options
10 Years
120 Month Contract Term Buyout Schedule (Contracts signed 2021 and before)
12 Years
144 Month Contract Term Buyout Schedule (Contracts signed 2022 and after)
15 Years
180 Month Contract Term Buyout Schedule
Buyout amount is equal to the Monthly Payment times the Multiplier set out in the Buyout Schedule for any given year.
For example: If the Monthly Payment on your Water Heater Agreement is $25.80 per month some examples of buyout amounts before the account closure fee are as follows:
- Year 3 to 4: $25.80 * 68.0 = $1,754.40 + HST
In addition, buyouts will be subject to a $49.95 account closure fee (+ HST).
For further clarification, you may contact Vista Credit for your buyout amount at any time.
After year 10 (120 months) the buyout amount is fixed at $49.95 plus account closure fee and HST.
* Unless Otherwise Disclosed in Agreement. Contact Vista using the form below to get your specific buyout amount.Tables are subject to change.
* Unless Otherwise Disclosed in Agreement. Contact Vista using the form below to get your specific buyout amount. Tables are subject to change.
Buyout amount is equal to the Monthly Payment times the Multiplier set out in the Buyout Schedule for any given year.
For example: if the Monthly Payment on your Water Heater Agreement is $25.80 per month some examples of buyout amounts before the account closure fee are as follows:
- Year 3 to 4: $25.80 * 86 = $2,218.80 + HST
In addition, buyouts will be subject to a $49.95 account closure fee (+ HST).
For further clarification, you may contact Vista Credit for your buyout amount at any time.
* Unless Otherwise Disclosed in Agreement. Contact Vista using the form below to get your specific buyout amount.Tables are subject to change.
