Generac Generator Financing
Generac's official financing through the Synchrony Project Card. A Generac home standby generator is a major investment, and Generac partners with Synchrony Bank to make it more manageable. You can pre-qualify with no impact to your credit score through Synchrony.
Why Finance Through Synchrony?
Generac's only consumer financing program — designed specifically for home generator purchases.
Pay Over Time
Spread the Generac generator investment over months instead of paying the full amount up front
Generac's Official Program
Financing through the Synchrony Project Card — Generac's dedicated consumer financing partner
Promotional Plans Available
Generac publishes current promotional plans and terms on its financing page — we walk you through them during your assessment
Pre-Qualify With No Credit Impact
Pre-qualify with Synchrony with no impact to your credit score before you apply
Generac's Synchrony Project Card Program
Generac sets the promotional plans directly with Synchrony Bank. We help you understand what's currently offered.
Fixed-Payment Promotional Plan
A longer-term promotional plan with predictable monthly payments on your Generac generator purchase.
- Fixed monthly payment through the promotional term
- Predictable budgeting from month one
- Current term and rate published on Generac's financing page
Deferred-Interest Promotional Plan
Avoid all interest by paying off the promotional balance within the promotional window.
- No interest if the promotional balance is paid in full within the promo period
- Interest accrues from the original purchase date if a balance remains after the window
- Best for buyers who can pay the balance off within the promo period
Promotional terms are set by Generac and Synchrony Bank and are subject to change. Always confirm current terms on Generac's official financing disclosures page before applying.
How to Apply
Generac's three-step process for applying for financing.
- 1
Work With a Local Generac Dealer
Synchrony Project Card financing is offered through participating Generac dealers. As a Authorized Generac Dealer in Western Chicagoland, we walk you through the current program during your free on-site assessment.
- 2
Choose Your Promotional Plan
Decide between Generac's current Synchrony Project Card promotions based on how quickly you plan to pay the balance down.
- 3
Apply With Synchrony
Apply directly through Synchrony — you can pre-qualify first with no impact to your credit score, then complete a full application if approved. Approval decisions are typically fast.
Other Ways to Pay
Beyond Generac's Synchrony Project Card, many homeowners also consider:
Home Equity (HELOC or Loan)
Many homeowners arrange a home equity line of credit through their own bank to pay for major home improvements like a generator. Talk to your lender about current rates, terms, and any tax implications.
Pay in Full
Paying at time of install avoids financing entirely. We can confirm any current promotions or rebates available at the time of your quote.
Frequently Asked Questions
What is the Synchrony Project Card?
The Synchrony Project Card is Generac's official consumer financing program, issued by Synchrony Bank. It's a revolving credit line designed for home improvement projects like a Generac home standby generator. Generac publishes the current promotional plans, terms, and any activation fees on its own financing disclosures page — we recommend reading them directly on the manufacturer's site because promotions change.
How do I apply for Generac financing?
Generac directs customers to find a local dealer that offers financing, ask about the financing options they offer, and then apply for the Synchrony Project Card. As a Authorized Generac Dealer, we can walk you through the current program during your free on-site assessment. The application itself is submitted directly through Synchrony.
Will applying affect my credit score?
Synchrony offers a pre-qualification step with no impact to your credit score. A full credit application — required to actually open the Synchrony Project Card account — does involve a credit check. Pre-qualifying first lets you see if you're likely to be approved before a hard inquiry.
What promotional plans are available?
Generac typically offers a choice between a longer-term fixed-payment plan and a shorter-term deferred-interest plan through the Synchrony Project Card. Current rates, terms, and any activation fees are set by Generac and Synchrony Bank and are published on Generac's financing page. We don't set or guarantee promotional terms — always verify the current offer on the manufacturer's site before signing.
How does a deferred-interest plan work?
On a deferred-interest promotion, no interest is charged if you pay the promotional balance in full within the promotional window. If any balance remains at the end of the window, interest is charged from the original purchase date. Deferred interest works best for buyers confident they can pay the balance off within the promo period.
Are there other ways to pay?
Many homeowners use a home equity line of credit (HELOC) or home equity loan arranged through their own bank. Those are not Generac programs — talk to your lender about current rates, terms, and any tax implications. We can provide a written quote you can take to any lender.
Where can I see Generac's official financing terms?
Generac publishes the official terms, disclosures, and any current promotional changes on its financing page. Always verify the latest terms and fees on the manufacturer's site before signing — promotional offers can change.
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