Generator Financing Options: How to Afford Backup Power
Updated February 2026 • 5 min read
A generator doesn't have to be a huge upfront expense. About 50% of our customers choose financing. Here are your options.
Financing Options We Offer
| Option | Term | Rate | Monthly* |
|---|---|---|---|
| 0% Promo | 12 months | 0% APR | ~$1,000 |
| Low Interest | 36 months | 5.99% APR | ~$365 |
| Extended | 60 months | 7.99% APR | ~$240 |
| Long Term | 84 months | 9.99% APR | ~$180 |
*Based on $12,000 financed. Rates depend on credit approval.
How to Qualify
Most homeowners qualify for financing. Requirements typically include:
- Credit score 600+ (options available for lower scores)
- Proof of income
- Homeownership
We work with multiple lenders to find the best rate for your situation.
Why Finance Instead of Pay Cash?
- Preserve savings: Keep your emergency fund intact
- 0% options: Free money if you pay within the promo period
- Immediate protection: Don't wait to save up
- Tax benefits: Interest may be deductible (consult your accountant)
Other Payment Options
Home Equity Line of Credit (HELOC)
Often the lowest rates available. Interest may be tax-deductible.
Credit Cards
Some cards offer 0% intro APR for 15-21 months. Good option if you can pay it off quickly.
Personal Loans
Banks and credit unions offer unsecured personal loans, typically 6-15% APR.
The Real Cost of Waiting
Every month without a generator is a month your family is unprotected. One extended outage can cost:
- $500+ in spoiled food
- $1,000+ in hotel stays
- $5,000+ in water damage (failed sump pump)
- Priceless: family comfort and safety
Financing Starting at $25/Month
Get protected now with affordable monthly payments.