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If upfront costs are a barrier, you have choices ranging from convenient utility loans to specialized private financing.
If you are applying as a low-income-based household or as part of an Indigenous community, you may also qualify for other rebate programs through Efficiency Manitoba that may cover eligible upgrades without requiring a loan or repayment.
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You can combine the HEEL with the Efficiency Manitoba Windows & Doors Rebate. The loan can help cover upfront costs, while the rebate after installation to help offset the balance.
Eligible window and door financing can include the cost of qualifying products and their installation. Labour by itself is not eligible.
For DIY projects, the homeowner's own labour cannot be financed; only qualifying materials and equipment are eligible.
Private financing can be convenient, but interest rates, fees, repayment periods, and approval requirements vary widely.
Some contractor or retailer financing options may cost more over time than Manitoba Hydro’s Home Energy Efficiency Loan (HEEL) or a traditional bank loan.
Always compare the total cost of borrowing, including interest, fees, penalties, and whether you can repay the loan early without extra charges.