Electrical panel financing in Denver: pay monthly, not all at once.
Nobody budgets for a panel replacement. Financing through Hearth, our lending partner, turns one large number into a monthly payment, so the work happens now instead of next year.
About one minute
The Hearth prequalification form asks for basic information and returns real offers, not a sales call.
No credit score impact
Prequalifying uses a soft credit check. Your score is untouched unless you accept an offer.
Several lenders, one form
You compare payments and terms side by side instead of applying in five different places.
Eligibility
Who qualifies, and what actually decides it
Hearth is a lending marketplace, so one short form reaches several lenders at once. Here is what those lenders look at.
- Loan amounts through the Hearth lender network generally run from about $1,000 to $250,000, which covers any panel, service upgrade or EV circuit job we do
- Terms commonly range from about two to twelve years, depending on the lender and the amount financed
- Lenders in the network work with a wide range of credit profiles, not just prime borrowers — your rate and term depend on credit, income and the amount requested
- You need to be 18 or older, a U.S. homeowner (or the person responsible for the property), with a valid Social Security number and a bank account
- No home equity, collateral, lien or appraisal required — these are unsecured personal loans
- Funds are typically available before install day, and lenders in the network do not charge prepayment penalties
- Rates and terms are set by the lender, never by EPO, and the job price is the same whether you pay monthly or all at once
How it works
Four steps from quote to installed panel
- 01
Get your free on-site estimate so you know the exact amount you need.
- 02
Prequalify online through Hearth and review the offers that come back.
- 03
Choose the monthly payment and term that fit your budget.
- 04
We schedule the install once financing is settled, before any work starts.
What homeowners finance with us
- Full panel replacement on an aging or recalled panel
- Fuse box conversion in older Denver and Aurora homes
- Service upgrades from 100 amp to 200 amp
- Subpanels for garages, shops, basements and additions
- EV charger circuits, often bundled with the panel work
On a small repair, financing usually is not worth the paperwork — we will tell you that straight rather than push an application.
FAQ
Financing questions
Does checking my options affect my credit?
No. Prequalifying through Hearth uses a soft credit check, so your score is untouched. A hard inquiry only happens later, if you choose to move forward with a specific lender's offer.
How long does approval take?
Most homeowners see offers within a minute or two of submitting the form. Once you accept an offer, funds are typically available well before your installation date.
What terms are available?
Amounts through the Hearth lender network generally run from about $1,000 to $250,000, with terms commonly between two and twelve years. Your exact rate, term and monthly payment are set by the lender and shown to you before you accept anything.
Do I need home equity or collateral?
No. These are unsecured personal loans, so there is no lien on your house, no appraisal and no equity requirement. Approval is based on your credit profile and income rather than your home's value.
What if I am turned down?
Hearth sends your request to several lenders at once, so a single decline does not end the process. If no offer works, we can talk through phasing the work or a partial-pay approach at the estimate.
Who do I make the monthly payment to?
Your lender, not EPO. We are paid for the job like any other; your loan agreement, payment schedule and customer service all live with the lender you chose.
Does EPO see my credit information?
No. The application happens between you and Hearth's lending partners. We simply find out whether the job is funded so we can put you on the schedule.
Is there a prepayment penalty?
The lenders in the Hearth network do not charge prepayment penalties, so paying the balance off early simply reduces the interest you pay. Confirm it on your specific offer before signing.
Can I finance part of the job and pay the rest?
Yes. Plenty of homeowners put money down and finance the remainder. We can quote it either way at the estimate.
Do you offer financing on repairs and smaller jobs?
Financing makes the most sense on panel replacements, fuse box conversions, service upgrades and EV circuit work. On a small repair it usually is not worth the paperwork, and we will say so.
Financing disclosure
Financing is provided by third-party lenders through Hearth. Hearth is a technology company licensed as a broker where required by state law. Hearth does not accept applications for credit, does not make loans and does not make credit decisions. This page is not an offer or solicitation to lend. Annual percentage rates, introductory rates, terms, loan amounts and fees are provided by Hearth's lending partners and are disclosed to you by the lender before you accept an offer. Loan amounts, terms and approval depend on your creditworthiness and are not guaranteed.
Electrical Panels Only does not originate credit, set rates or make lending decisions, and receives no part of your interest. NMLS ID #1628533 — NMLS Consumer Access.
Know your number, then choose your payment.
Free on-site estimates across the Denver metro. No phone guesses, no change orders, no upsell to work you don't need.