Drive Electric Today. Pay Over Time.
0% APR for 12 months on qualifying installs over $1,000. $0 down, soft credit pull, and 60-second pre-qualification. Get your EV charger installed now and spread the cost.
Monthly Payment Examples
0% APR - 12 Months
On $899 install
Best for Level 2 home installs
6.99% APR - 36 Months
On $2,499 panel upgrade
Best for panel upgrades
9.99% APR - 60 Months
On $5,000+ commercial
Best for commercial/multi-port
Examples are illustrative. Actual rates and terms depend on credit score, loan amount, and lender. Subject to credit approval.
How It Works
Get a Quote
We give you a written install estimate.
Pre-Qualify
60-second soft credit pull with our lenders.
Choose a Plan
Pick the APR & term that fits your budget.
We Install
Charger installed, funds released to us.
Credit Requirements
Excellent
0% APR promos, best terms
Good
Low APR, standard terms
Fair
Subprime lenders available
What You Need to Apply
- Valid government-issued ID
- Proof of income (paystub or bank statement)
- Social Security Number (soft pull only)
- Home address & property details
Our Lender Network
Henderson EV Charger Pros partners with consumer financing networks that specialize in home-improvement and clean-energy installations. Different lenders fit different credit profiles and install sizes — we'll match you with the program that gives you the lowest effective rate, not the highest commission.
Synchrony HOME
6, 12, 18, or 24-month 0% APR promotional financing on installs $299 and up. 680+ FICO typical. Same-day decision via the Synchrony HOME card. Best for homeowners who want the lowest total cost on a moderate install.
Wells Fargo Home Projects
Revolving line of credit specifically for home-improvement contractors. 12- and 18-month 0% APR offers run regularly. Useful for homeowners who bundle the EV charger with other electrical work (whole-home surge, panel upgrade, generator).
Hearth (now Rocket Loans)
Personal-loan marketplace that shops 30+ lenders with a soft credit pull. APRs from 6.99% to 24.99% on 12–144 month terms. Best when promo 0% APR doesn't fit (lower credit or larger install) and you want a fixed monthly payment over a long term.
GreenSky / EnerBank
Clean-energy-focused unsecured loans. Same-as-cash terms up to 18 months, then 9.99–17.99% APR. Best for Tesla Wall Connector + Powerwall combo installs where the total exceeds $7,500.
Henderson EV Charger Pros is not a lender. All financing is provided by third-party institutions subject to their own underwriting. Rates and terms shown are typical at time of writing and may change.
Monthly Payment Examples by Install Size
The table below shows realistic Henderson install amounts and the monthly payment at three common terms. Numbers are calculated with standard amortization at the rates listed and exclude any promotional 0% APR window (which would lower the early-term payment further).
| Install amount | 12 mo @ 0% APR | 24 mo @ 6.99% | 36 mo @ 9.99% |
|---|---|---|---|
| $1,000 (basic NEMA 14-50) | $83/mo | $45/mo | $32/mo |
| $1,500 (hardwired Level 2, standard run) | $125/mo | $67/mo | $48/mo |
| $2,000 (Tesla Wall Connector, exterior run) | $167/mo | $89/mo | $64/mo |
| $2,500 (panel upgrade, no charger) | $208/mo | $112/mo | $81/mo |
| $3,500 (panel upgrade + Level 2 install) | $292/mo | $156/mo | $113/mo |
| $5,000 (panel + dual Wall Connectors + surge) | $417/mo | $223/mo | $161/mo |
How NV Energy + Federal Tax Credit + Financing Stack
The most under-used trick in Henderson EV charger financing is stacking three independent benefits in the right order. Done right, a $1,599 hardwired install can net to under $700 after rebates and credits — and you finance the gross amount, then apply the rebate/credit cash directly to the principal.
Step 1 — NV Energy Electric Vehicle Charging Station rebate
Up to $500 bill credit for residential Level 2 installs through NV Energy's EV programs. Applied as a credit on your electric bill within 6–10 weeks of approval. We file the rebate paperwork on your behalf when you book through us, and the credit reduces what you owe NV Energy — freeing up cash flow that can be redirected to loan principal.
Step 2 — IRS Form 8911 (30C Alternative Fuel Vehicle Refueling Property Credit)
30% of the install cost (including labor, permits, and the charger unit), capped at $1,000 for residential installs. Claimed on IRS Form 8911 with your federal return for the tax year of install completion. Henderson is inside a qualifying census tract for many ZIPs (verify with your tax preparer using the IRS 30C eligibility locator). On a $1,599 install, this is $479.70 back at tax time — paid directly to your loan principal before the 0% APR window expires.
Step 3 — Apply both to financed principal
Most lenders we work with have no prepayment penalty. The optimal sequence: finance the gross $1,599 at 0% APR for 12 months, receive the $500 NV Energy credit by month 3, receive the $479.70 tax credit by month 6 (assuming you file promptly), and apply both to the loan. Net out-of-pocket on a Henderson Level 2 install: roughly $619.30, paid as ~$52/mo for the first half of the term and ~$0/mo once both credits land.
Cash vs Financed — Total Cost
For a $1,500 install, here is the true 5-year cost comparison across the most common Henderson financing scenarios.
| Path | Monthly | Total paid | Net after credits |
|---|---|---|---|
| Cash up front | — | $1,500 | ~$550 |
| 0% APR — 12 mo (paid off in promo) | $125 | $1,500 | ~$550 |
| 6.99% APR — 24 mo | $67 | ~$1,609 | ~$659 |
| 9.99% APR — 36 mo | $48 | ~$1,742 | ~$792 |
Net-after-credits assumes $500 NV Energy bill credit + $450 IRS 30C tax credit (30% × $1,500). Your actual credits depend on eligibility. Last updated 2026-05-14.
Financing FAQs
What credit score do I need?
Most 0% APR promotions require a 680+ FICO score. We have lender partners that approve down to 580 with higher APR options.
Does applying hurt my credit?
No. Initial pre-qualification is a soft pull and does not affect your credit score. A hard pull only happens if you accept a loan offer.
How fast is approval?
Most applicants are pre-qualified in under 60 seconds. Full approval and funding usually happen within the same day.
Is there a prepayment penalty?
No. You can pay off the loan at any time with no penalty. Paying off a 0% APR plan before the promo expires means you pay zero interest.
Can I combine financing with rebates?
Yes. NV Energy rebates and the 30% federal tax credit stack with financing. See our rebates page for details.
Ready to Apply?
Get pre-qualified in 60 seconds. Soft credit pull. No obligation.