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Equinox
Financing & rebates

Pay how it makes sense for you. We'll show both numbers.

The same install costs the same whether you pay upfront, finance, or wait on an incentive. We show the cash price, lender terms, and required paperwork separately.

Incentives
Verified before quote
Financing
Terms shown first
Cash price
Always separate
Paperwork
Model docs included
Technician walking a homeowner through estimate options.
Rebates & financing · Toronto

We help collect the paperwork before you count on an incentive.

Rebate programs change quickly. Always confirm eligibility on the agency's site; we will point you to the relevant program and include model numbers, invoices, and warranty documents after install.

Government of Canada

Federal retrofit financing

Verify

Some qualifying energy retrofits can use federal loan programs. Intake rules, eligible measures, and limits should be confirmed before quoting around them.

Confirm current limits with the agency

Program details

Utility / provincial programs

Heat-pump and efficiency incentives

Verify

Heat-pump, insulation, air-sealing, and thermostat incentives open and close by utility, audit path, and equipment type.

Varies by equipment and eligibility

City of Toronto

Toronto Home Energy Loan Program (HELP)

Verify

A City home-energy loan option secured against the property tax bill. Current caps and rates should be checked with the City before making a decision.

City-published limits and rates

Utility / manufacturer programs

Seasonal thermostat offers

Limited

Smart-thermostat offers are often seasonal or bundled with specific equipment. We flag them when they apply.

Usually small, program-dependent

Financing partners

Predictable payments, without pretending the rate is one-size-fits-all.

Partner lender options

Promotional install financing

Term
Often 12 – 24 months
APR
Shown before approval

Useful for furnace + AC replacements when you want a short promotional term. We show the lender terms before you apply.

Partner lender options

Equal monthly payments

Term
Often 36 – 60 months
APR
Based on credit approval

Predictable monthly payments for heat-pump conversions and full-system retrofits. Exact terms come from the lender, not our estimate.

Partner lender options

Open balance option

Term
Usually short term
APR
Shown before approval

Helpful when you expect a rebate or lump-sum payment later. We confirm prepayment rules in writing before you choose it.

Honesty note

We do not get paid more for steering you toward financing. The same install costs the same whether you pay upfront, finance, or wait for an incentive. We'll show the cash price and financing terms separately.

Pricing FAQ

Common questions about cost and payment.

If your question isn't here, the dispatch line is the fastest way to get practical guidance. We don't gatekeep the technical stuff.

Pricing & payment

    Flat-rate quotes for installs (one number, no surprises). Time-and-materials for repairs ($129 + HST diagnostic, $145/hr labour, parts at MSRP). We give a written estimate before any repair work begins.
    Yes — Visa, Mastercard, Amex. Also Interac e-Transfer and cheque. Larger projects can use 0% financing through Snap or FinanceIt — we'll show options.
    Yes, through Snap and FinanceIt. Promotional 0% terms available on installs. We don't get paid extra to push financing, and we'll quote with and without it.
Ready when you are

Ready to talk numbers?

Bring 12 months of gas and hydro bills. We'll model your specific case in the visit.

Cold-climate heat pump beside a brick house.
Technician greeting a homeowner at the front door.

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Tell us what you're considering. Free in-home visit.

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