How does this work?

 

      • Apply for a payment plan using our online application form

      • Our system will perform a credit check

      • On credit approval we provide you with an application number

      • Call Home Trade Standards at+1 877-749-7990 for an appointment and have all requested documents and the application number available.

Am I guaranteed to get a payment plan?

 

No, getting approved depends on your credit history and current affordability factors. The rate and amount you are able to borrow will also vary depending on your credit history and affordability.

We are the financing partner for Home Trade Standards. We are the financial institution that enables Home Trade Standards to provide a payment plan for your purchase. The approval of your payment plan, and of all payments associated with it, will be made to us and not to Home Trade Standards.

Why do you need my housing information?

 

For identity verification purposes. Your housing information helps to ensure a proper identity match when performing a credit check.

Why do you need my proof of income?

 

We require proof of income – specifically your most recent pay stub – to ensure your financial status accommodates the payment plan for your purchase

Why do you need a void cheque?

 

A void cheque is required in order to verify the authenticity of your banking information.

Is it secure?

 

Yes. Very. Your connection to Financeit is secure and encrypted using AES – 256 bit SSL (Secure Socket Layer). This is the same level of encryption used by leading banks and government agencies.

How long will I have to make payments for?

 

Our payment plans range from 1 – 15 years in length. You can choose how quickly you want to pay off the balance.

How do you have access to my credit history?

 

After getting your permission we connect securely to a credit agency to access your credit history.

What if I change my mind on what I’m buying?

 

No problem! There are no commitment. You have just been approved for a loan up to a specific amount. As long as it’s from the same business, you can make any purchase up to the total approved amount.

How do I make payments? To Home Trade Standards?

 

All payments will be made directly to Financeit. The funds go to the Home Trade Standards and they install your HVAC equipment.

What if I want to pay off my purchase early?

 

No problem, there are no early payment penalties. You can send Financeit a cheque, contact us to make an early payment by direct debit.

Is there a penalty if I make unscheduled payments on my purchase?

 

No, as long as you are making payments ahead of your required monthly payment

How can I get in contact with Financeit?

 

For any questions related to your application please contact our customer service representative at service@financeit.io or call 1.888.536.3025 and hit ‘4’

What are your hours of operation?

 

Our team is available 9am – 9pm EST Monday through Friday, Saturday 10am – 6pm EST.

What will be required of me after I book an appointment with Home Trade Standards?

 

You will be required to sign a loan agreement to finalize your purchase with Home Trade Standard. In order to process your loan more efficiently, please ensure you have your application number, a piece of government issue photo ID, a void cheque and your most recent pay stub.