Pay Over Time for Your Electrical Project

Now offering monthly payment options through Wisetack — for panel upgrades, EV charger installations, rewires, and commercial electrical work across Rancho Cucamonga and Southern California.

Why Finance Your Electrical Project?

Most electrical projects aren’t optional — they’re safety upgrades, code compliance, or infrastructure your home or business needs to keep running. But $4,000–$15,000 is a real number to come up with all at once.

That’s why SPD Electric partners with Wisetack to offer flexible monthly payments. You get the work done now — your panel upgraded, your EV charger installed, your wiring brought up to code — and pay over time in manageable installments.

Prequalifying takes about a minute. It doesn’t impact your credit score.

How It Works (4-Step Process)

Get Your Free Estimate

Owner Samuel comes to your home or business, evaluates the project, and provides a written, itemized estimate. No charge, no obligation.

Choose Your Payment Option

Pay in full, or apply for monthly payments through Wisetack during your consultation. The application takes about a minute.

Prequalify in Minutes

Wisetack runs a soft credit check (no score impact) and shows you the monthly payment options you qualify for — terms, APR, monthly amount.

Schedule the Work

Once approved, we schedule the install. You make monthly payments to Wisetack while we get your project done right.

Wisetack Financing at a Glance

We offer financing

We’ve partnered with Wisetack to offer our customers flexible financing options, so you can pay over time rather than all at once. The application takes about a minute to complete, and checking your options does not impact your credit score.

Finance projects up to $25,000*
Terms from 3 to 120 months*
APRs range from 0 to 35.9%*
No hidden fees or compounding interest

Prequalify today with no impact to your credit and contact us to learn about financing your next project!

PREQUALIFY NOW

*All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by our lending partners. For example, a $1,200 purchase could cost $104.89 per month for 12 months, based on an APR of 8.9% or $400 per month for 3 months, based on a 0% APR. Offers range from 0% to 35.9% APR based on amount requested and creditworthiness. Not all merchants and lenders participate in 0% interest programs. State interest rate caps may apply. No other financing charges or participation fees. See additional terms at wisetack.com/faqs. https://www.wisetack.com/faqs..

Projects You Can Finance With Wisetack

Most SPD Electric services are eligible for Wisetack financing, including:

Residential

Electrical Panel Upgrades (100A → 200A)
Federal Pacific & Zinsco Panel Replacements
EV Charger Installation
Whole-Home Rewiring
ADU Electrical Installation
Subpanel Installation
Generator Installation
Major Lighting Projects

Commercial

Tenant Improvements (TI)
Commercial Panel & Service Upgrades
Commercial EV Fleet Charging
Code Compliance Work

Smaller projects under $500 are typically not financed — most customers pay those at completion.

Sample Payment Example (Wisetack required)

Example: A $1,200 purchase could cost $104.89 per month for 12 months, based on an 8.9% APR — or $400 per month for 3 months at 0% APR. Your actual rate is based on creditworthiness.

Real-World Example: Panel Upgrade Financing

A typical 100A → 200A panel upgrade in our service area runs $4,500–$7,500. With Wisetack financing, instead of paying it all upfront, an approved customer might pay something like:

24-month plan: ~$210/month (estimate, varies by APR)
36-month plan: ~$145/month (estimate, varies by APR)
48-month plan: ~$115/month (estimate, varies by APR)

These are illustrative only — your actual monthly payment depends on the project total, your approved APR, and the term you select. Use the Wisetack payment calculator below for a real estimate.

Stack Wisetack With SCE Charge Ready Home (EV Customers Only)

If you’re installing an EV Charger and your project requires a panel upgrade, you may qualify for up to $4,200 in SCE Charge Ready Home rebates (income-qualified) or up to $2,100 (geographic-qualified).

You can finance the remaining out-of-pocket cost with Wisetack — meaning your real upfront cash is significantly reduced, and the rest is spread over manageable monthly payments.

We’ll walk you through both during your free consultation.

Frequently Asked Questions

Does prequalifying affect my credit score?

No. Wisetack uses a soft credit check to show you your prequalified options. It does not impact your credit score.

How fast is approval?

Most decisions are returned in minutes. The application itself takes about a minute to complete.

What's the maximum I can finance?

Wisetack finances projects up to $25,000.

What credit score do I need?

Wisetack works with a wide range of credit profiles. The best way to find out what you qualify for is to prequalify — it doesn’t hurt your score.

Can I pay off my loan early without penalty?

Most Wisetack plans allow early payoff with no prepayment penalty. Confirm specifics with Wisetack when you choose your plan.

When should I apply?

Most customers apply during the free consultation, after Samuel provides the written estimate. That way you know the exact project amount when you prequalify.

Is financing available for commercial projects?

Yes — Wisetack financing is available for commercial customers as well. We’ve used it for tenant improvements, commercial panel upgrades, and EV fleet charging projects.

Who is Wisetack?

Wisetack is SPD Electric’s financing partner. They specialize in monthly payment options for home services and trades — partnering with HVAC, plumbing, electrical, and roofing contractors nationwide. Learn more at Wisetack.

Is the application secure?

Yes. Wisetack uses bank-level encryption and follows all federal lending compliance standards.

Don't Let Cost Delay an Electrical Upgrade

Old panels, faulty wiring, and missing EV charging infrastructure don’t get cheaper to fix — and waiting can cost you more in the long run. Get a free, written estimate from SPD Electric. Prequalify with Wisetack. Move forward today.

Licensed • Insured • Financing Available

Required Wisetack Compliance Disclosure

All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by our lending partners. For example, a $1,200 purchase could cost $104.89 per month for 12 months, based on an APR of 8.9%, or $400 per month for 3 months, based on a 0% APR. Offers range from 0% to 35.9% APR based on amount requested and creditworthiness. Not all merchants and lenders participate in 0% interest programs. State interest rate caps may apply. No other financing charges or participation fees. See additional terms at wisetack.com/faqs.

Payment options through Wisetack are provided by our lending partners. Wisetack is a third-party lender and is not affiliated with SPD Electric Corp. SPD Electric does not directly issue credit. SPD Electric Corp holds California C-10 Electrical Contractors License #1116728.