Pay Monthly, Keep the Rebate

The short version

You do not have to pay for the work in one go. We offer financing on every project through FinanceIt, a Canadian consumer-finance provider that home improvement contractors use for exactly this. You apply at the quote stage, you get a decision quickly, and the work proceeds. The rebate is unaffected: it is paid to you by the programme whether you paid cash or monthly.

Why this matters more than a deadline

There is no published closing date on the attic stream, so nobody needs to panic. But the rebate is paid after the work, to the homeowner. If the only thing standing between a household and the rebate is that the invoice has to be paid up front, that is a cashflow problem, not a money problem, and it is the kind that costs people the whole rebate. Monthly payments solve it. A household that finances the work still gets the rebate cheque, and can put the cheque against the balance if it wants to.

How it runs

1. We quote the work. One number, after tax, with the rebate tier shown separately so you can see both.
2. You apply through FinanceIt. It is an application to them, not to us. They set the rate, the term and the approval, and they show you all three before you agree to anything.
3. The work is scheduled. Nothing about the job changes.
4. We submit the rebate file and give you the reference. The programme pays you.

What to have ready

• Government photo identification.
• The property address, and whether you own it. Financing of this kind is for the homeowner.
• Your employment and income details, as any lender will ask.

Commercial and industrial

Consumer financing of this kind is for homeowners. Commercial and industrial projects are handled on their own terms — progress billing, holdback and the schedule the contract sets. Commercial and industrial work is here.

What we will tell you

• If the rebate covers most of the job, financing may not be worth the cost of borrowing. We will say so.
• If your attic is already over R–35, the attic stream will not pay, and financing an upgrade that earns no rebate is a different decision. We will say that too.
• We are not paid by FinanceIt to steer you into a longer term.

Common questions