>_ /financing · 0% apr available
Tesla Wall Connectors. 200-amp service upgrades. Powerwall installs. Whole-home Lutron. None of it is cheap — and almost none of it should come out of one month's checking account. We've built financing partnerships with three top-tier project lenders so you can install today and pay it down at your pace. Soft-pull approval at the kitchen table — zero impact on your credit.
0% APR
on qualifying installs
60 sec
soft-pull approval
$1k–$55k
financing range
0 down
on most projects
// lender stack
We don't make money on financing — your interest goes to the lender, not to us. We picked these three partners because they cover the full project spectrum, from a $1,200 EV charger to a $50,000 whole-home automation build.
0% APR · 12 / 18 / 24 months
No-interest financing on installs from $1,000 to $55,000 — perfect for EV chargers, panel upgrades, and smart-home retrofits. Approval in under 60 seconds at the kitchen table.
Best fit for
6.99–14.99% APR · 60-month plans
Long-term financing for whole-home automation projects, Powerwall + solar-ready installs, and four-EV garage build-outs. Fixed monthly payments with no prepayment penalty.
Best fit for
Same-as-cash · 18 months
Pay it off inside 18 months and the interest disappears — retroactively. Designed for the homeowner waiting on a tax return, year-end bonus, or rental-property income event.
Best fit for
// real numbers
Five common BrightWatt installs and the monthly payment if you finance them through our standard plans. These are sample APRs for a 720+ credit profile — your actual rate will vary based on the soft-pull result.
Sample APRs only. All financing subject to credit approval through partner lenders. Actual payment, term length, and APR depend on your credit profile and the lender's underwriting at time of application. BrightWatt Electric does not originate, fund, or service these loans — we provide access to them as a no-cost convenience to our customers.
// kitchen-table workflow
Approved financing rarely takes more than one site visit. Here's the four-step flow we run on every project.
01
A tech-forward estimator walks the property, scopes the install, and prices it on the spot. No bait-and-switch, no callbacks.
02
We run a soft credit check at the table — no hit to your score. You see your rate and term options before signing anything.
03
Approved offer in hand, you e-sign on our tablet. Funds are reserved against the project the same hour.
04
You don't write us a check. Once the install passes Maricopa County inspection, the lender pays us directly and your first payment is 30 days out.
// honest answers
No. All three of our lenders use a soft-pull pre-approval at the in-home estimate. A soft pull does not affect your FICO score. A hard pull only happens when you sign and accept the loan offer — and at that point you already know your rate and term.
Same flat-rate price whether you write us a check or finance. We're paid by you, not by the lender, so there's no incentive to push one over the other. Some shops pad the cash price 12–18% to "absorb" lender fees. We don't.
All three partners allow penalty-free prepayment. The 0% APR plans actually reward early payoff — finish inside the promotional window and you've borrowed the install cost interest-free.
No. Once your loan is approved at the table, we schedule the install on our standard same-week calendar. The lender pays us after the inspection passes — that's between us and them, and it never holds up your project.
// ready to install?
Book the free in-home estimate. You'll know your install price and your monthly payment options before we leave.