Buyout

12 year contract

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 * 74.0 = $1,909.20 + HST
  • Year 11 to 12: $25.80 * 14.0 =   $361.20 + HST

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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 12 (144 months) the buyout amount is fixed at $49.95 plus account closure fee and HST.

Request your buyout

12 Year (144 Month) Contract Term Buyout Schedule (Contracts signed 2022 and after)

Year
Number of Monthly Payments*
0 to 1
88
1 to 2
84
2 to 3
79
3 to 4
74
4 to 5
69
5 to 6
63
6 to 7
56
7 to 8
50
8 to 9
43
9 to 10
34
10 to 11
26
11 to 12
14
12+
49.95 + HST
* Unless Otherwise Disclosed in Agreement. Contact Vista using the form below to get your specific buyout amount. Tables are subject to change.