HomeOutdoorGenerator Financing
Advertising Disclosure Acorn Finance receives compensation from some of the companies featured on our website, which may influence the presentation and order of the offers shown. Please note that not all loan options, savings products, or lenders are represented on our site.

Generator Financing For Good & Bad Credit

Get personalized rates for generator financing in 60 seconds without affecting your credit score

How much would you like to finance?

Woman smiling at financial transaction on smartphone via Fiona Template.

Finance a Generator - Portable, Solar, Whole House & More

Acorn Finance puts you in control – we let you compare personalized offers from lenders in our network, with no impact to your credit score. We’ll help you check for pre-qualified offers for generator financing in seconds with our broad network of national lending partners. You can easily sort the offers based on what’s most important to you: interest rate, payment amount, length of the loan term. Our 100% online, customer-friendly process is designed to help you find affordable payment options with lenders that can quickly fund your project.

At Acorn Finance, you can compare monthly payment options from several lenders in minutes, all without affecting your credit score.

Check Offers
Quick. Simple. Secure.

How To Finance a Generator with Acorn Finance

Check New Loan Offers With No Impact To Your Credit Score
Security concept with shield icons across desktop and mobile platforms.


Fill out an easy online form to check for pre-qualified offers with no impact to your credit score
Concept of data sharing across desktop and mobile platforms.

Select offer

Compare terms and payment options to select the offer that’s best for you
Iconic online banking symbol depicted on computer and mobile screens.

Finish application

Complete your application on your selected lender’s website
Icon symbolizing monetary investment or support.

Receive funding

After your loan is approved, your funds should arrive within 1-2 business days2

Check Offers For Generator Financing

Check offers
in seconds

Get pre-qualified for loan offers with an easy online form

Won't impact
credit scores

Checking offers will not impact your credit score

payment options

Compare rates from our network of lenders

funds quickly

Same-day and next-day available for certain offers2

Compare Rates From Lenders in Our Network

How To Finance a Generator

Whether you need to finance just the generator itself or the generator and installation, you can use generator financing. So what are your options? In most cases, individuals are offered an unsecured loan or credit card for generator financing. You may be able to secure financing through a retailer or manufacturer. However, to expand your options you should compare multiple offers, and that is where Acorn Finance can help. With several reliable lending partners, Acorn Finance can make discovering the best generator financing offer fast and easy. In most cases, individuals are offered an unsecured loan or credit card for generator financing.

Read More


Can you finance a generator?

Financing is available for permanent and portable generators whether they are for personal or business use. Some manufacturers or retailers may offer financing. In some cases, they may even offer promotional financing offers. However, if the retailer or manufacturing is unable to assist with financing or perhaps you just want to explore other options, you should visit Acorn Finance. Acorn Finance provides a secure platform designed to help consumers unlock the best financing offers for generator financing. At Acorn Finance you can find some information to check multiple generator financing offers in seconds without impacting your credit score. Acorn Finance has top-rated lending partners that offer easy payment options and funding within 1-2 business days (though funding times can vary).

How do I calculate what size generator I need?

Buying a generator is something most of us don't do very often. Therefore, choosing the right generator may require a time investment. To determine the size of generator that is best for your needs you should consult a certified electrician. However, if you prefer to calculate generator size on your own, you can. To start you should make a list including all items that need to be powered by the generator. Each piece of equipment should have a starting and running wattage listed on the equipment or in the owner's manual or listed online. You can add these figures together to determine the total power requirement. Once you have calculated the estimated wattage needed, it should be easier to pick the appropriate generator size. It's recommended to use a generator with a slightly larger capacity than you need. In most cases, an increased capacity of 10% – 20% should satisfy needs. If you need to convert amps to watts you can use the following formulas.

For resistive loads use the following formula:

Wattage = amperes x volts

For reactive loads use the following formula:

Wattage = amperes x volts x load factor

What size generator will run a house?

A generator rated at 5,000 to 7,500 watts should power the most important household equipment such as refrigerator and freezer, lighting circuits, and so on. Keep in mind, there are different types of generators that can range from 800 watts to over 500,000 watts. The reason there are so many different generators is to satisfy a wide variety of needs. While a 5,000 to 7,500 watt generator may be suitable for some homes, it may not be suitable for all homes. If you are purchasing a whole house generator you should refer to the section above to determine your total power requirement. This can help you select the appropriate generator size.

Will a 15,000 Watt generator run a house?

In most cases, a 15,000 watt generator should be more than enough power to run a house. You should be able to power a refrigerator, freezer, light, home A/C system, higher amperage power tools, and more using a 15,000 peak watt generator. While a smaller generator may be able to power a house, it's better to have more power than you think you need. If you choose a smaller generator you may have to pick and choose which items to run when relying on a generator. A 15,000 watt generator should be able to keep most appliances running.

How much does a 20kW generator cost?

According to Home Advisor, Generac is a leading brand in home generators. Generac gas generators can run on natural gas or liquid propane. The average cost of a Generac 20 kW generator is $4,900. Most Generac 20 kW generators can provide coverage for a 3,000 to 5,000 square foot home. A portable 20 kW generator should not have any installation or setup costs. However a permanent home generator usually does have installation costs.

Will a 22kW generator run my house?

A 22kW generator should be able to power most homes. When it comes to picking a generator you may notice standby generators and whole-house generators. A standby generator is capable of powering smaller homes. Most standby generators can power critical equipment but are unable to power everything at once. A whole-house generator, such as a 22kW generator, can power almost the entire house. Most manufacturers offer whole-house generators with kW ranging from 22 to 48 kW. Larger, whole-house generators have more powerful engines that offer consumers more benefits. Whole-house generators can provide homeowners more comfort in addition to longer run times without maintenance and better fuel options. Other whole-house generator benefits can include. . .

Higher quality design


Reduced noise

More fuel-efficient

Longer maintenance intervals

Is there a tax credit for a whole house generator?

In most cases, there is no tax credit for a whole house generator. If you purchase the generator for business use, you may be able to write off the purchase and operational expenses. If you need to purchase a generator to power medical equipment for someone in your household, you may qualify for tax incentives. To learn more about possible tax incentives related to owning a generator you should contact a tax accountant.

What is the average cost to have a whole house generator installed?

According to Home Advisor, installing a permanent whole-house generator can range between $500 to $3,000+. Only permanent generators should require installation. In most cases, permanent generator installation includes a prepared concrete area, electrical wiring, and a gas hookup. Incorrectly installing a permanent generator could cause safety issues. We recommend investing in hiring a professional for installation. If you are installing a permanent generator you should consider the noise level when selecting a unit. You should also consider local building codes.

Is a generator right for my home?

If you live in a high risk area for hurricanes, wildfires, or other natural disasters you should probably own a whole-house or standby generator. Even if you live in an area with reliable underground power cables that is not prone to natural disasters, you should still have a portable generator handy. Portable generators can help power your home in the event of a brief power outage. Generators can be a smart investment whether you think you need one or not. Have you ever experienced an unexpected power outage that forced you to trash all the items in your refrigerator and freezer? How much money were you forced to throw in the trash? Investing in owning a generator can help prevent future losses and keep your home powered during future outages.

Can I finance a whole house generator?

Yes, yes you can finance a whole house generator. In some cases you may even have more than one financing option available. With most whole house generators costing thousands of dollars, you'll probably want to avoid using a credit card for financing. In most cases, a personal loan can offer borrowers a lower interest rate than a credit card. In addition, personal loans offer fixed monthly payments and fixed terms. Personal loans are easier to manage for most. Since you know exactly what you are required to pay every month, you can set up autopay for a personal loan and let it manage itself. Some lenders may even offer incentives for setting up autopay. If you decide to use a personal loan, you will want to start by getting prequalified. At Acorn Finance you can get prequalified in seconds with no impact to your credit score. Once you have accepted a personal loan offer and completed any necessary steps with the lender, you should receive the funds as a lump sum. Now, you are ready to go buy the generator of your choice.

Alternatively, some retailers may offer promotional financing or credit cards. If they do, you should consider this as a viable option. However, pay close attention to the terms. Promotional financing is often only available for a short term, resulting in high monthly payments. If you are unable to repay the loan in full during the promotional period, you may be charged extremely high interest charges.

If you are trying to pay as little in interest as possible, you may be able to use promotional financing for some of the cost and a personal loan for the remaining portion. However, managing two loans can be more complicated. You will need to determine if the savings is worth the extra work.

How much does it cost to install a whole-house generator?

If you are looking to install a whole house generator, you can expect to pay somewhere between $1,400 and $7,695. The dramatic price difference is mainly dependent on what type of generator you choose.

If you go with a gasoline generator, you can find options for as little as $500. Higher-end gasoline generators can run you closer to $3,000.

Natural gas generators are closer to $1,900 to $5,000.

Diesel generators are the most expensive type of generator that can cost between $3,000 and $15,000.

Liquid propane is a popular choice that costs between $500 and $6,000.

Solar is an option that can cost as little as $300 and as high as $5,000.

Aside from the type of generator you choose, the size is the next largest indicator of how much you will pay for your generator and its installation. Consider that if you go with one of the cheaper models of any generator type, you may only be able to power a few appliances and a small number of lights. This might be a great option for someone who is looking to save money and for someone who is only looking for a generator to cover the necessities in the event of a power outage. For example, if you only need or want to power your refrigerator to prevent food from spoiling, and a few lights in certain rooms, and then maybe any electrical components of an HVAC system, a small generator may do the job.

If you live in a place with climate extremes, like insanely hot summers and/or frigid winters, you will want a working HVAC system during a power outage where you are unsure when power will be restored.

If you are looking to install a generator system that will turn on in the event of a power outage and that will power your entire home without any noticeable changes, then you can install a permanent generator unit.

A stationary power generating unit can cost you closer to $15,000. It may be more expensive, but you should never have to worry about power outages ever again.

Is it worth getting a whole house generator?

Yes, there are many reasons why having a home generator would be worth the expense. If you live somewhere that is no stranger to severe weather, then a home generator can keep you and your family safe and comfortable during any weather conditions.

Obviously, if there is an evacuation mandate in place, then you will want to listen to authorities and evacuate to avoid a direct hit from a hurricane or being in the path of a forest fire. However, if your home is not facing immediate and certain destruction, you can wait out any storm with confidence.

If you live in a rural area, you may want to have a generator installed. If power lines go down due to high winds, heavy ice and snow, or a fire, it may take weeks for the power to be restored. Electrical companies tend to repair where the larger population centers are first. However, with the right home generator system, you could wait it out for months before you needed to be concerned.

Another great reason to have a home generator is if you are a hunter who has additional freezers full of meat from hunting season, or maybe you make and sell pastries, deserts, etc. having all your food protected from unnecessary spoiling due to a power outage can give you peace of mind.

Do standby generators add value to a home?

Yes, a quality and professionally installed generator in your home could offer up to a 150% return on your investment. It also may make your home more attractive to potential buyers if you live in an area that experiences severe weather or rolling blackouts in the hot summer months.

When selling your home, you could see an overall increase in the listing price of your home by 3% to 5%.

What are the benefits of financing a generator?

The benefits of financing a generator include keeping your savings as a rainy day fund for other potential emergency expenses, paying off your generator with one low monthly payment, and maybe installing a higher quality generator that costs more than what you could afford if you paid cash. A generator may be easier to justify when you think of it in terms of a monthly expense for a set period of time.

What are the drawbacks of financing a generator?

Financing may have some drawbacks, but paying cash can too. If you choose to finance a generator, you may have to pay interest. When you factor in interest and other fees, the total loan cost may be higher than the cost of the generator. If you have the cash available and are willing to spend it on a generator then you may want to pay cash. However, if paying cash means emptying your savings, it may be worth it to pay extra for financing and save your cash for an emergency.

Financing anything, including a generator, means taking on more debt. For some this may be a drawback. However, if you can cover the monthly payment and pay the debt off successfully it may positively impact your credit score.

How long can you finance a generator?

Financing terms can vary depending on several factors such as loan amount, borrower qualification, and the lender. First, you should pick out the generator you want to purchase or at least outline the specifications it needs to determine a price range. Generator prices can vary significantly. The average cost for a generator and installation is $4,579. This average includes a variety of generators such as gasoline, diesel, liquid propane, natural gas, or solar-powered. They may only power a few small items or the whole home. If you are looking for a unit to power an entire, average-sized home, the total costs, including installation, can range anywhere from $12,250-$27,150.

The cost of a generator is usually enough to justify or need financing. Personal loans or financing offered through retailers are popular choices. When you use a personal loan, the term usually varies depending on the loan amount. It can also depend on credit score. A borrower with good credit may qualify for a longer term than a borrower with bad credit. Some lenders can offer personal loan terms up to 12 years, however, you usually need good credit to qualify and a large loan amount Minimum terms are usually one year. When you pick a loan term you will want to consider how much you can afford to pay monthly, but you will also want to consider total loan costs. The longer the term, the higher the loan cost in most cases.

When you check personal loan offers at Acorn Finance you can shop lenders and loan terms. Without impacting your credit you can find the loan that makes the most financial sense.

Can you finance a standby generator?

You can finance a standby generator. These types of generators have a hefty price variance, depending on the size and type you need. A standby or stationary generator is connected to your home's electrical system. It provides energy when the power goes off, and it goes off when the power comes back on. You can get them in various sizes, from small ones that keep a few lights on to large ones that power the whole house. Small ones generally cost between $,2500-$4,500 installed, while large ones can be $9,000-$15,000.

The amount you need to finance can depend on the type of standby generator you buy. For a small, inexpensive unit you may want to see if any retailers offer promotional financing. Some retailers can offer promotional 0% financing, but it's usually for a relatively short term. If you are unable to pay the balance in full before the promotional term ends, this may not be the best option.

Interest rates can soar after the promotional period is over. If you need a longer term or do not qualify for the promotional financing, you can look into using a personal loan. Personal loans can offer higher spending limits, more flexible terms, fixed interest rates, and fixed payments. If you are in an area that is subject to power outages, you may need a generator urgently. Financing can help you afford the generator you need.

Can you finance a whole house generator?

You can use a personal loan to finance almost anything, including a generator that will power your whole house. For example, if you have a home that's 2,000 square feet and you want a generator to power water, lights, your HVAC system, and appliances, you can expect to spend an average of $15,000. However, a standby generator for a 2,500 square foot home can cost considerably more, averaging about $25,000.

Some people have the available cash to install a whole home generator, but many don't. In addition, people often want them installed in an emergency, such as a prolonged power outage, and might not be able to access funds quickly. Whole-home generator financing through a personal loan, line of credit, or even through a retailer or generator company. Before getting prequalified for financing, you should have an accurate idea of how much you need to borrow for a generator and installation. Then, you can check and compare offers. At Acorn Finance you can check offers from top national lenders without impacting your credit score.

Can you finance a generator with bad credit?

Getting generator financing with bad credit can be more challenging and expensive. Some lenders can approve loans for borrowers with bad credit, and some lenders deal exclusively with bad credit borrowers. Lenders that specialize in bad credit are known as sub-prime lenders.

If you have bad credit, there are a few things to be aware of. First, you might not qualify for the amount you need to complete your project. Secondly, interest rates on bad credit loans can be really high, up to 35.99%. The higher your interest rate, the higher your monthly payment, and the more you'll spend on interest costs. Lenders might offer you a shorter term than five or seven years because of your credit rating. A loan with a high rate and short term can result in high payments.

It's difficult, if not impossible, to predict when you'll need a generator. Lengthy power outages can be triggered suddenly, and it's hard to do anything without power. If you feel you can wait to improve your credit score before installing a generator, it can save you money in the long run. If you think you need to install one right away but have poor credit, getting pre-qualified for financing can help because you'll know how much you have to work with and what your payments will be.

What are the different types of generators?

Generators come in a variety of shapes and sizes, each designed for a specific purpose. When you're shopping for credit or no credit check generator financing, it's important to think carefully about which kind of generator you want so you can secure appropriate home generator financing to match.

The three most common types of generators are standby, portable, and inverter generators. Standby generators are permanently installed outdoors and typically used to power essential appliances during a power outage.

Portable generators are small and lightweight, making them easy to transport from one location to another. Inverter generators are the newest type on the market and offer many features that other types lack, such as quiet operation and the ability to run sensitive electronics.

What type of generator is best for home use?

Here are a few things to consider when choosing a generator for your home and deciding which method of financing a home generator is right for you.

First, think about what you need the generator to power. If you just want to keep the lights on and the fridge running, a small portable generator should suffice. But if you need to power large appliances or run an air conditioner, you'll need a larger standby generator.

Next, consider how easy the generator will be to use. Some models require manual startup, while others start automatically when the power goes out. If you live in an area with frequent blackouts, an automatic generator may be worth the investment.

Finally, compare the costs of different types of generators. Portable generators are usually less expensive than standby generators, but they may not offer as much power. The good news is that there are plenty of generating financing bad credit options out there to explore, so financing a home generator of any size or type shouldn't be a challenge.

How do you choose the right generator for your home?

The first step is to determine how much power you need. Consider what appliances and devices you want to be able to run and add up their wattage requirements. You'll also need to decide whether you want a portable or standby generator.

Portable generators are usually less expensive and can be moved around, but they require manual setup and must be stored outdoors. Standby generators are more expensive, but they're permanently installed and hook into your home's existing natural gas or propane line. Once you've decided on the type of generator you need, you can narrow down your choices by considering things like fuel efficiency, noise level, and warranty.

How much is a generator for a 2000 sq ft house?

A generator for a 2000 sq ft house would typically cost between $1,500 and $20,000. The size of the generator, the type of fuel it uses, and the features it includes will all affect the price.

For example, a smaller portable generator might be sufficient for powering a few essential appliances, while a larger standby generator would be needed to power the entire home. Additionally, generators that run on propane or natural gas may be more expensive than those that run on gasoline, but they are also more efficient and have a lower environmental impact. Again, you can apply for financing for just about any kind of generator, including diesel generator finance and whole home generator financing as well.

How much does it cost to install a Generac home generator?

The cost of installing a Generac home generator depends on a number of factors, including the size of the unit and the complexity of the installation. However, most homeowners can expect to pay between $3,000 and $5,000 for a basic unit. If you need a more powerful unit or if your home has special electrical requirements, the cost can increase to $10,000 or more. Additionally, you will need to purchase fuel to run the generator, which can add to the overall cost.

How long do whole house generators last?

A whole-house generator is a big investment, even with relief from whole house generator financing from a reputable generator finance company. Not only do you have to purchase the generator itself, but you also have to pay for installation and regular maintenance. Given the cost, you may be wondering how long a whole-house generator will last.

The answer depends on a number of factors, including the type of generator and how well it is maintained. For example, standby generators tend to have a longer lifespan than portable generators since they are designed for long-term use. Additionally, if you regularly perform maintenance on your generator, it will likely last longer than if you neglect it.

Do you need a permit for a generator?

In most cases, you will not need a permit to operate a generator. However, there are some circumstances where a permit may be required. For example, if you're using the generator in a commercial setting or if it is connected to the electrical grid, you will likely need to obtain a permit.

Additionally, some municipalities have regulations regarding the use of generators, so it's important to check with your local ordinances before operating one. In general, as long as you follow the manufacturer's guidelines and use common sense, you should not have any problems operating a generator without a permit.

How long does it take to install whole house generator?

A whole-house generator is a great way to ensure that your home is always prepared for a power outage. But how long does it take to install one of these handy devices? The answer depends on a few factors, including the size of your home and the type of generator you choose. For most homes, a generator can be installed in a day or two.

However, if you need to run gas or propane lines to your generator, the installation process may take a bit longer. In any case, it's important to consult with a professional before embarking on any major home improvement project. With their help, you can be confident that your generator will be up and running in no time.

What do I need to power my house with a generator?

When the power goes out, it can be a major inconvenience. Whether due to a storm or a power outage, being without electricity can put a real damper on your day-to-day life. That's where a generator comes in. A generator can provide you with the power you need to keep your lights on and your appliances running.

But before you can start using your generator, there are a few things you need to take care of. First, you'll need to make sure that you have the right model for your needs. Then, you'll need to purchase the necessary accessories, such as fuel and an extension cord. And finally, you'll need to know how to operate your generator safely.

By taking care of these three things, you'll be prepared the next time the power goes out.


In conclusion, every home should have a generator available. However, not every individual has thousands of dollars to spare to purchase a generator. Generator financing provides the funds you need to purchase a generator while allowing you to make easy monthly payments. Acorn Finance has lending partners with competitive rates as low as 6.99% and loan amounts up to $100,000.

Compare generator financing offers without impacting your credit score. . . apply online today!

How Does Acorn Finance Compare?

Compare Rates From Top Lenders

Generator Financing Calculator

Are You A Contractor?
Stop letting generator financing deals slip through your fingers.

Close more sales with easy, affordable generator financing options for your customers

Get Started

Popular Home Improvement Projects

Barn Financing Options

One home, endless possibilities


Personal Loan Information