Finance Your Home Electrification
Don't let upfront costs stop you from going electric. Compare personalized financing options for solar, heat pumps, EV chargers, and more.
Find My Best Rates2-minute quiz • No credit impact • Instant results
How Our Financing Quiz Works
Tell Us About Your Project
Answer 6 quick questions about your project type, budget, credit score, and priorities.
Get Matched Instantly
Our algorithm analyzes 7+ lenders to find your top 3 personalized matches based on your profile.
Compare & Choose
See rates, estimated payments, and pros/cons. Check rates with no credit impact.
Types of Home Electrification Financing
Understanding your options helps you choose the right financing for your situation.
Personal Loans
Unsecured loans with fixed rates and terms. No home equity required.
- • Quick approval
- • No collateral
- • Fixed payments
- • Higher rates than HELOCs
- • Credit score dependent
Home Equity Loans/HELOC
Borrow against your home equity for the lowest rates available.
- • Lowest rates
- • Large loan amounts
- • Tax deductible (consult CPA)
- • Requires home equity
- • Longer approval
- • Home as collateral
Solar-Specific Loans
Specialized financing designed specifically for solar panel installations.
- • 0% promo rates available
- • Solar-optimized terms
- • No upfront cost
- • Dealer fees
- • Solar projects only
- • Complex rate structures
Credit Cards
0% intro APR cards for smaller projects you can pay off quickly.
- • 0% for intro period
- • Rewards/cash back
- • Instant approval
- • High rates after intro
- • Low limits
- • Must pay off fast
Ready to Find Your Best Rate?
Our 2-minute quiz matches you with lenders most likely to approve you at the best rates.
Start Financing QuizAll Financing Guides
Deep-dive guides on financing specific home electrification projects.
Heat Pump Financing Options
Complete guide to financing your heat pump with low-rate loans and payment plans.
Heat Pump Financing for Bad Credit
Get approved for heat pump financing even with poor credit scores.
Mini Split Financing Guide
Best financing options for ductless mini split heat pumps.
HVAC Financing Options Guide
Compare financing options for HVAC systems, furnaces, and AC units.
Solar Loan Rates Comparison
Compare current solar loan rates and find the best deal for your project.
Bad Credit Solar Financing
Solar financing options for homeowners with poor credit scores.
Solar PPA vs Lease Guide
Compare solar PPAs and leases to find the best no-money-down option.
Best Credit Cards for EV Charging
Top credit cards with rewards and 0% APR for EV charger installations.
Best Credit Cards for Home Improvement
Credit cards with 0% intro APR and rewards for home electrification projects.
Financing FAQ
Common questions about financing home electrification projects.
Can I finance a heat pump with bad credit?
Yes, several lenders offer heat pump financing for credit scores as low as 560-600. While you'll pay higher interest rates, options like Upgrade and Synchrony Home specialize in working with lower credit scores. Our quiz matches you with lenders based on your credit profile.
Is 0% financing for solar panels real?
Yes, but it comes with trade-offs. Solar lenders offer 0% promotional APR by building "dealer fees" (15-30%) into the loan. You'll pay more for your system upfront to get 0% interest. For many homeowners, a low-rate loan (3-7% APR) with no dealer fees saves more money over the life of the loan.
Should I use a HELOC or personal loan?
HELOCs offer lower rates (6-9% vs 9-25%) but require home equity and use your home as collateral. Choose a HELOC for large projects ($20k+) if you have equity and want the lowest rate. Choose personal loans for faster approval, no collateral risk, and projects under $50k.
How much can I borrow for home electrification?
Personal loans typically range from $5,000-$100,000. HELOCs can go up to $500,000 depending on your home equity. Solar loans often max out at $150,000. The exact amount depends on your credit score, income, debt-to-income ratio, and the lender's specific criteria.
Will checking rates hurt my credit score?
No. Most lenders use a "soft pull" for rate quotes, which doesn't affect your credit score. Only when you formally apply and the lender does a "hard pull" will your credit score be affected (typically 5-10 points temporarily). Our recommended lenders all offer soft-pull rate checks.
Can I combine financing with federal tax credits?
Yes! Federal tax credits (30% for solar, heat pumps, etc.) are based on the total project cost, regardless of how you pay. You can finance 100% of the project and still claim the full 30% tax credit. The tax credit helps pay down your loan balance faster.
Not Sure What You Need?
Use our calculators to estimate project costs and savings before exploring financing.