A Standby Generator can provide you with peace of mind, protecting your home during power outages. RALCO Electric & Generator is definitely the right partner for this project.

Your decision to install a Standby Generator may hinge on your ability to afford such a large project that can include many moving pieces. That’s why RALCO Electric & Generator provides financing options through a relationship with PowerPay. PowerPay is a digital lending platform that offers home improvement financing with no hidden costs or fees.

The process is SIMPLE, FAST, and AFFORDABLE!

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Home generator provides peace of mind and a feeling of security and safety for you, your family and your home. With PowerPay you can finance any size home generator including the materials, installation and labor. Receive instant approval on up to a $100,000 home improvement loan, including generators, with no hidden contractor fees, credit cards or prepayment penalties. With a PowerPay loan you can finance any House or Mobile Generator with any manufacturer. With a PowerPay loan, you can turn an expensive project, like a generator into low monthly payments, with fixed rates and you can pay it off whenever you want. It’s easy to apply for a loan online and your approval comes in seconds!

Fair, Reasonable and Lowest Payment Possible!

  • Rates starting at 8.99%
  • Up to 15-year terms
  • Borrow up to $100K
  • No prepayment penalties or hidden costs
  • No Credit Card

Protect Your Home from Power Outages

The weather in the Northeast brings risks of downed power lines due to snow fall, ice storms, hurricanes, lightning, and the infamous Nor’Easter. Power outages can lead to burst pipes, loss of lights, and spoiled food, putting your family at risk. We’ll visit your home and give you all the information you need to make an informed decision.

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RALCO installs over 100 generators in Massachusetts and Rhode Island every year. We install all of the major brands including Briggs & Stratton, Cummins, and KOHLER.

Power outages can be extremely difficult on older adults, who may have difficulty navigating a home without lights, or may need to power important medical devices​. Approximately 3.5 million Americans are without power in any given week​. Households in the US can experience as many as five power outages annually​


Home generator provides peace of mind and a feeling of security and safety for you, your family and your home. With PowerPay you can finance any size home generator including the materials, installation and labor.

Frequently Asked Questions about Financing your home Generator Project

PowerPay is a digital lending platform for the home improvement financing industry. Our fully automated technology offers near-instant approvals on loans up to $100,000, helping homeowners translate expensive home improvement projects into low, fixed monthly fees that can be paid over time.

Unlike other digital lending platforms, PowerPay is a fully independent company that is committed to delivering loans with no hidden fees, credit cards or prepayment penalties in order to offer the lowest monthly payment possible to our customers. After all, the more affordable the loan, the bigger the possibilities for your home.

Just like many people finance their car payments, over 50% of all home improvement projects are financed. Financing can be a great payment option when your dream project costs too much money to pay for all at once. Using PowerPay, you can translate that expensive lump sum into a low, affordable monthly payment. The result is the opportunity to stop worrying about what a project costs, and spend more time dreaming about the possibilities for your home.

It’s easy. You can either work through your participating contractor or contact us directly. Follow our simple application process. If you pre-qualify, you’ll be shown the monthly cost of the item and can complete the process.

U.S. residents over the age of 18 (or 19 for Alabama or Nebraska residents) are eligible, provided we can verify your identity.

Yes. You can prepay anytime for all or part of your loan. There is never a penalty for paying early.

The application process is fast and easy. You’ll be asked to provide some basic information about yourself. If you qualify, you will receive an email with one or multiple loan options along with a loan limit that may even go beyond the cost of your project. You may opt to borrow more and add things like annual maintenance and monitoring to your loan.

Where applicable, there is a one-time member activation cost for each approved loan. For convenience, that cost can be rolled into the final loan balance. As a PowerPay member, you also get exclusive access to member benefits from our lender, including insurance, monitoring, utility, & entertainment partners. Your contractor will walk you through the details prior to signing. All of the documents are electronic so you can sign everything from your home or office without any paperwork.

No, we are not a bank. We are a digital lending platform designed specifically for the home improvement industry.

It is very important to us that your personal information remains secure and encrypted. We install endpoint protection software and/or secure web gateways at all points in our online process. There is a data protection policy in place to help ensure that personal data is kept secure.

Once your loan is processed you will receive your loan documents, welcome package, and payment instructions. You can pay with ACH, check, or debit card.

We work with our lender network to look at the credit risk of you as a borrower, and to give you a rate that fits your credit profile. Your financing options are presented to you in clear, simple terms. You are never obligated to accept them. Unlike many platforms that offer credit cards, PowerPay strives to offer lower-risk borrowers with lower rates. The annual percentage rate is the cost of credit as a yearly rate.

Please let us know right away. If we have fallen short of our goals, we’d like to know as soon as possible so that we can rectify the situation. You can call us at 800-397-4485 or chat with us online 24 / 7.

Your first payment will be due approximately 30 days from the funding date. Subsequent payments are due every month after that, usually on the same day of each month.

No. PowerPay is a consumer loan program. You do not need to hold and manage a credit card when you work with PowerPay.


(800) 867-2526

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