Financing
Don't let the sticker price make the decision
We offer financing on generator installation through Synchrony Bank — six plans, from no interest if paid in full within six months to fixed payments over eleven years. You can see whether you prequalify in seconds, with no impact to your credit score.
Subject to credit approval. Applications are handled by Synchrony Bank on their own secure site.
How it works
- 1Apply or prequalify onlinePrequalifying takes seconds and does not affect your credit score. A full application is a secure online form you complete on your own device — we never handle your details.
- 2Get an instant decisionSynchrony returns a credit decision as soon as you submit. The decision is theirs, not ours — we do not see your application and cannot influence the outcome.
- 3Use it on the jobIf approved you receive an account you can use with us straight away, so approval does not have to hold up scheduling the install.
The plans available
Six promotional plans, all through Synchrony Bank. We have not put monthly payment figures here on purpose — every install is priced to the house, and a worked example from someone else’s job would only mislead you. What you pay each month depends on the size of your job, so the real numbers come with your written quote.
The trade-off is the same on every plan: a shorter term costs less overall but more each month. All six carry a one-time $29 account activation fee.
No interest
No interest if paid in full within 6 months
- Term
- 6 months
- Monthly payment
- 2.5% of the balance
- Interest
- None, if paid in time
Deferred interest. Clear the balance within 6 months and you pay no interest at all. If you do not, interest is charged from the original purchase date at 26.99% APR — not from the end of the promotion.
No interest
No interest if paid in full within 12 months
- Term
- 12 months
- Monthly payment
- 2.5% of the balance
- Interest
- None, if paid in time
Deferred interest. Clear the balance within 12 months and you pay no interest at all. If you do not, interest is charged from the original purchase date at 26.99% APR — not from the end of the promotion.
No interest
No interest if paid in full within 18 months
- Term
- 18 months
- Monthly payment
- 2.5% of the balance
- Interest
- None, if paid in time
Deferred interest. Clear the balance within 18 months and you pay no interest at all. If you do not, interest is charged from the original purchase date at 26.99% APR — not from the end of the promotion.
Reduced APR
5.99% APR until paid in full
- Term
- 37 months (~3.1 yrs)
- Monthly payment
- 3% of the balance
- Interest
- 5.99% from day one
Interest is charged from the purchase date at the reduced 5.99% rate, with fixed monthly payments until the balance is paid in full. No deferred interest and nothing owed at the end.
Reduced APR
7.99% APR until paid in full
- Term
- 88 months (~7.3 yrs)
- Monthly payment
- 1.5% of the balance
- Interest
- 7.99% from day one
Interest is charged from the purchase date at the reduced 7.99% rate, with fixed monthly payments until the balance is paid in full. No deferred interest and nothing owed at the end.
Reduced APR
9.99% APR until paid in full
- Term
- 132 months (~11 yrs)
- Monthly payment
- 1.25% of the balance
- Interest
- 9.99% from day one
Interest is charged from the purchase date at the reduced 9.99% rate, with fixed monthly payments until the balance is paid in full. No deferred interest and nothing owed at the end.
Read this before choosing a no-interest plan
The 6, 12 and 18 month plans are deferred interest, not interest-free. Pay the balance off inside the window and you pay no interest at all. Miss it — even by a little — and interest is charged on the whole balance going back to the purchase date, at the standard 26.99% APR. On a generator installation that is a meaningful amount of money.
If you are confident you can clear it, the short plans are the cheapest money available. If there is any doubt, the reduced-APR plans charge interest from day one but hold no surprise at the end. We will go through which one fits when we quote the job.
Full financing disclosure
On qualifying purchases made with your Synchrony Bank Credit Card. Subject to credit approval.
Reduced APR plans (5.99%, 7.99%, 9.99%). Interest is charged on the promotional purchase from the purchase date at the reduced APR, and fixed monthly payments are required until paid in full. Those payments equal a set percentage of the initial promotional purchase amount, rounded up to the next whole dollar, and may be higher than the payment that would otherwise be required. During the final month or months of the promotional period the required payment may be reduced because of that rounding.
No-interest plans (6, 12, 18 months). No interest is charged on the promotional balance if it is paid in full within the promotional period. If it is not, interest is charged on the promotional balance from the purchase date. Fixed monthly payments are required equal to 2.5% of the highest balance applicable to the promotional purchase. The required minimum payments may or may not pay off the promotional balance before the period ends, depending on the purchase amount, the promotion length and payment allocation.
Regular account terms apply to non-promotional purchases and, after the promotional period ends, to promotional purchases. New Accounts as of 08/29/25: Purchase APR 26.99%. Minimum Interest Charge $2. One-time Account Activation Fee of $29 charged when the first purchase posts to the account. Existing cardholders: see your credit card agreement terms.
Monthly payments are calculated from the amount financed and are rounded to the next highest whole dollar. Your actual terms are the ones shown on your credit agreement. Promotional plans are set by Synchrony Bank and may change or end at any time.
Estimate your monthly payment
Enter the amount you would want to finance and we will show what each plan would cost per month. We are not guessing at your job — put in whatever figure you are working with, or use the number from your written quote.
Amount changed — press Calculate to update.
Worth weighing against the alternative
The comparison people usually make is generator cost versus doing nothing. The more useful one is against what an outage actually costs — a freezer of food, a few days of not being able to work, a hotel, or medical equipment that does not wait. On the Gulf Coast that is not hypothetical, and it is the reason most of our customers stop postponing the decision. See what a generator actually costs for the numbers side of it.
Service plans are separate
Ongoing maintenance is billed monthly on its own plan rather than rolled into any finance agreement — GenWatch plans start at $35/month. See service plans.
Common questions
- Who is the lender?
- Synchrony Bank. They make the credit decision, set the terms and service the account. Critical Power Solutions is the merchant — we do not underwrite anything, see your application, or influence the outcome.
- What does "no interest if paid in full" actually mean?
- It means deferred interest, not interest-free. If you clear the balance inside the promotional window you pay no interest at all. If you do not, interest is charged on the balance going back to the original purchase date at the standard 26.99% APR — not from the end of the promotion. It is the most commonly misunderstood part of retail financing, which is why we spell it out rather than leave it in the small print.
- Is there a fee?
- Yes — a one-time $29 account activation fee, charged when your first purchase posts to the account. It applies to all six plans. There is no separate fee from us for offering financing.
- Which plan should I choose?
- If you are confident you can clear the balance inside 6, 12 or 18 months, those plans are the cheapest money available — you pay nothing in interest. If there is any doubt, a reduced-APR plan charges interest from day one but holds no surprise at the end. The longest plan keeps the monthly payment lowest but costs the most overall, and we would rather you saw that trade-off than discovered it later.
- Will applying hurt my credit score?
- Checking whether you prequalify does not affect your credit score. Submitting a full application is a separate step and is subject to credit approval.
- Can I finance a Kohler system, or only Generac?
- The financing program is branded to Critical Power Solutions rather than to an equipment manufacturer, so it is not tied to one brand. Ask us when we quote and we will confirm what applies to your specific job.
- Does financing cover the whole job or just the generator?
- Ask us when we quote. A standby installation is equipment plus transfer switch, electrical, gas work, pad, permit and inspection, and it is worth being clear about what is included before you commit to anything.
- Is the maintenance plan financed too?
- No. GenWatch service plans are billed monthly on their own and are not part of any finance agreement. They start at $35 a month.
Get a straight answer on what it costs
Tell us about your home or building and we'll come out, size it properly and put a written number in front of you. No charge for the visit.
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