Upgrade Your Home Comfort Without the Big Upfront Cost.

A More Comfortable Home Starts Here.

Get the furnace, air conditioner, heat pump, water heater or other home comfort equipment your home needs — with $0 down, six months with no payments and predictable monthly payments.

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How Vista Lease-to-Own Works

A Simple Way to Upgrade Your Home Comfort

Getting the equipment your home needs doesn’t have to be complicated. Vista makes it easier to explore equipment and payment options, connect with a trusted local contractor and get professional installation.

Step 1: Tell Us What Your Home Needs

Let us know what equipment you need or what problem you are experiencing.

Step 2: Explore Your Options

A local contractor will help you understand equipment and available payment options.

Step 3: Get Expert Installation

Your selected equipment will be professionally installed by a trusted local contractor.

Step 4: Enjoy Predictable Payments

Enjoy your new equipment with predictable monthly payments and ongoing support.

Trusted Equipment Suppliers.

Quality Brands for a More Comfortable Ontario.

Why Homeowners Choose Vista

6 Months With No Payments

Settle in with no payments for the first 6 months on qualifying agreements.

$0 Down, No Large Upfront Payment

Get the home comfort equipment you need without a large upfront payment.

Flexible Monthly Payment Options

Know what to expect with simple, predictable monthly payments.

Local Professional Installation

Your equipment is installed and serviced by a trusted local contractor.

A More Flexible Way to Upgrade Your Home

Replacing essential home comfort equipment can be a significant unexpected expense. Vista helps make the process more manageable by combining professional installation, flexible monthly payment options and ongoing support.

Feature
Vista Financing
Traditional Rental
Buying Upfront
$0 Down
No Large Upfront Cost
Flexible Monthly Payment Options
Parts and Labour Coverage
Local Contractor Relationship
Ownership
Local Support

Local Contractors. Professional Installation. Ongoing Support.

Your home deserves more than a piece of equipment. That's why Vista works with trusted local contractors who understand the homes and homeowners in the communities they serve.

Your contractor handles equipment recommendations, installation and ongoing service, while Vista manages the lease-to-own agreement and billing. That means you get:

  • Professional installation

  • Local service

  • A contractor you can work with directly

  • Vista support for your lease-to-own agreement

HVAC contractor working on AC.

Already a Vista Customer?

For service, billing, equipment upgrades or questions about your existing account, visit our Customer Support page.

Request Service
Billing Questions
Upgrade or Add Equipment
End-of-Term Options

Homeowners Trust Vista

When your home comfort equipment needs an upgrade, you want to know you're making the right choice. Here's what some Vista customers have to say about their experience.

"I phoned Vista about a replacement water heater. The installers were extremely professional, pleasant, and completed the power-vented installation in a little over an hour. It just doesn't get better than this."
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Kevin F.
"Vista Services was incredible in assisting me with troubles regarding my water heater. The customer service representative I was in contact with was incredibly helpful and knowledgeable...
I highly recommend!!"
Multicolored capital letter G logo with red, blue, green, and yellow segments representing Google.
Elly T.
"Vista Credit provided me with great customer services and were understanding of my needs and very professional. The turnaround time for getting a problem solved was amazing!"
Multicolored capital letter G logo with red, blue, green, and yellow segments representing Google.
Sylvia B.

Frequently Asked Questions

Find answers about Vista’s lease-to-own program, path to ownership, warranty coverage, installation and service.

What is lease-to-own?

Lease-to-own gives you a way to get essential home comfort equipment without paying the full cost upfront. Instead, you make predictable monthly payments during your agreement, with ownership at the end of the term.*

Do I own the equipment?

The advantage of using Vista is that you get the benefits of renting, but you own your equipment at the end of your lease term.

What does the warranty cover?

Our standard lease-to-own contracts include parts and labour warranty coverage for covered equipment during the term of the agreement.*

Who installs and services my equipment?

Vista works with trusted local contractors who install and service your equipment. Your contractor remains an important part of your home comfort experience, while Vista manages the lease-to-own agreement and billing.

How much will my monthly payment be?

Your monthly payment depends on the equipment selected, installation and the terms of your agreement. Because equipment and installation pricing can vary by home and contractor, your contractor will provide the details of your specific solution before you enter into an agreement.

Can I purchase the equipment before the end of my agreement?

Yes. Vista contracts can generally be paid out early by purchasing the equipment, subject to the terms of your agreement. Contact Vista for details about your specific contract.

What happens if I move?

Moving doesn't necessarily mean you have to leave your equipment agreement behind. Depending on your contract and the circumstances of the sale, your agreement may be transferred to the new homeowner or the equipment may be purchased. Contact Vista before your move so we can explain your options.

Do I choose the equipment?

You work with your local contractor to determine the equipment that is appropriate for your home. Vista works with multiple equipment manufacturers, giving homeowners access to a range of home comfort solutions depending on the contractor and project.

Is Vista a contractor?

No. Vista Services is a financial services company. We partner with trusted local contractors who provide equipment installation and service. Vista manages the lease-to-own agreement, billing and customer support while your local contractor focuses on your equipment.

How does ownership work?

Vista owns the equipment during the lease term. At the end, you own the equipment and can choose the option that works best for you and your home.

400+
Dealer Partners

Growing across Ontario.

Ontario
Focused

Proudly serving our communities.

Local Contractor
Network

Skilled. Trusted. Local.

Flexible Home
Comfort Options

For a cleaner, brighter tomorrow.

Ready for a More Comfortable Home?

Get your free quote today and take the first step towards a worry-free home upgrade.