AFFORDABLE
FINANCING
OPTIONS
Get the electrical work you need now — pay over time with low monthly payments. We've partnered with Hearth to offer flexible financing with rates as low as 7.99% APR.
Checking your rate won't affect your credit score.
Payment Estimator
See what your monthly payment could be
DON'T LET BUDGET DELAY YOUR ELECTRICAL PROJECT
Whether it's a panel upgrade, EV charger installation, or whole-home rewiring — financing lets you get it done now with manageable payments.
Low Monthly Payments
Spread the cost over time with payments that fit your budget. No need to drain savings or delay critical electrical work.
No Impact to Check Rate
See your personalized rates with a soft credit check. Your credit score won't be affected until you accept an offer.
Fast Approval
Get approved in minutes, not days. Once approved, funds are available quickly so your project can start right away.
Flexible Terms
Choose the loan term that works for you — from 3 to 12 years. Pick lower payments or pay it off faster.
GET FINANCED IN 3 EASY STEPS
Check Your Rate
Fill out a quick application in under 2 minutes. See personalized loan options from multiple lenders — without affecting your credit score.
Choose Your Terms
Compare offers and select the loan amount, term, and monthly payment that fits your budget. Rates start as low as 7.99% APR.
Get Your Project Done
Once approved, we schedule your electrical work. You enjoy the upgrade now and pay it off over time with fixed monthly payments.
PROJECTS CUSTOMERS FINANCE WITH US
Panel Upgrade
100A to 200A service
EV Charger Install
Level 2 home charging
Whole House Generator
Automatic standby power
Home Rewiring
Full electrical renovation
Recessed Lighting
Whole home LED upgrade
Hot Tub / Pool Wiring
Dedicated circuit install
*Estimated monthly payments based on 60-month term at 7.99% APR. Actual rates vary based on creditworthiness.
FINANCING QUESTIONS
Got questions about financing your electrical project? Here are the most common ones we hear.
Still have questions?
Call (609) 362-3488No. When you check your rate through Hearth, they use a soft credit inquiry that does not affect your credit score. A hard inquiry only occurs if you accept a loan offer and proceed with the full application.
Hearth works with multiple lenders, so there are options for various credit profiles. Generally, a credit score of 600+ gives you the best chance of approval. Even if your score is lower, it's worth checking — you may still qualify with certain lenders.
Loan amounts range from $1,000 to $100,000 depending on the lender and your creditworthiness. Most residential electrical projects fall between $2,000 and $20,000.
Rates start as low as 7.99% APR for well-qualified borrowers. Your actual rate depends on your credit profile, loan amount, and term length. You'll see your personalized rates when you check your options — no commitment required.
Most customers receive loan offers within minutes of submitting their application. Once you accept an offer, final approval and funding typically takes 1-3 business days.
No. You can pay off your loan early at any time without penalties. This allows you to save on interest if you're able to pay ahead of schedule.
Ready to Get Started?
Check your rate in under 2 minutes — no impact to your credit score.
Financing provided by Hearth. Star Bright Electric LLC is not a lender and does not make credit decisions. All loans are subject to credit approval.