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No Credit Check Electricity

By Payal B

Nobody likes to waste their money. When it comes to shopping for electricity, a bad choice could cost you hundreds of dollars, and unfortunately, power companies don’t offer refunds. 

How Can You Be Sure You Got A Great Deal?

There is a way. You could use a service designed by industry experts to find you a great rate in minutes based on your specific energy usage. 

It’s Called Power Wizard

Let us scan through hundreds of plans, so you don’t have to. Unlike many of the comparison sites, our service is completely unbiased because we serve you, not the power companies. It’s truly the best way to shop for electricity in Texas. 

Let us find you the best plan in seconds and start saving.


Happy family - No Credit Check Electricity

Are you looking for an electricity company that won’t break the bank?

Are you looking for a plan to fit neatly into your budget that you’ve so carefully calculated this year?

If the answer is yes, then this guide is for you.

Maybe you are looking for an electric company with no credit check and no deposit.

Is there such a thing as a no-credit-check electric company?

In this guide, we are going to show how you can have an electricity plan that fits your needs best. It might even require no credit check.

You can keep your budget and your credit intact.

You will learn that cheap electricity plans might not be your best option, and you will learn about no credit check and no-deposit electricity.

What Is A No Credit Check Electricity Plan?

Prepaid and pay for what you use options are available to those who can’t afford to make a huge down payment based on a bad credit rating.

A no-credit-check electricity plan is offered by most REPs so that everyone has the option to have electricity in their home no matter their circumstances.

Often these electricity plans are offered with same-day service as well.

Benefits Of A No Credit Check Electricity Plan

We all like having benefits. No matter where or when we travel, traveling with benefits is nice.

There are also benefits to choosing a no-credit-check electricity plan.

Here are some benefits of choosing this type of plan:

  • No credit check
  • No deposit
  • No long-term contracts
  • No monetary penalties for having a lower credit rating
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No Credit Check

Just like the plan name says, with a no credit check electricity plan comes no credit check.

Typically when you have less than stellar credit and you are subjected to a credit check, it can, in fact, lower your credit score and cause you to have to pay an outrageous deposit amount.

This could have a negative impact on your credit score.

If this is a scenario you want to avoid, then a no-credit-check electricity plan may be the plan for you.

No Deposit

These electricity plans will often be advertised as “No Deposit” plans.

This is simply because those residents whose credit score may not meet the required threshold are usually met with having to pay a hefty deposit.

Often lower scores equal more cash upfront before you can purchase a product or retain anyone’s services.

If no deposit sounds like it could help with saving your family money, then a no credit check electricity plan may fit your family’s needs best.

Keep in mind that there are other plans to consider as well.

No Long-Term Contracts

If you want more control over how you pay your electricity bill, you may want to consider doing away with your contract.

No credit check electricity plans are often marketed by REPs as requiring no long-term contract commitment.

You are in charge of your monthly bill, and you can choose to pay only for the electricity that you and your family require based on your family’s usage.

No Monetary Penalties for Having a Low Credit Score

Having a low credit score can greatly impact the way you do business.

You might feel the need to make sure that no transaction can in any way cause more harm to your score.

Sometimes with a lower credit score, businesses might inflate the purchase price to meet what is perceived as doing business with someone who poses a financial risk.

You sometimes end up paying more than you should.

If you are looking to keep your family’s costs low and not be subject to inflated penalties, then a no-credit-check electricity plan could be the plan that works best for you.

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How No Credit Check Electricity Plans Work

Happy family moving into new home - No Credit Check Electricity

Enter Your Zip Code

You know the benefits of choosing a no-credit-check electricity plan, but do you know how to find a company that offers one in your zip code?

Let’s take Sam, for instance, who just moved to a deregulated area of Houston. He now has the option to choose his electricity company or REP.

Sam’s credit took a hit during college. Even into his early 30’s, he still struggles to repair it.

Sam has finally secured a full-time job, and his office space is in the same zip code as his new home.

Before he can sign his lease, his landlord has asked that he have the utilities turned on in his name.

Sam begins to worry about how his credit history may affect his being able to have electricity service.

He is also given a time limit to decide if he wants to take the new apartment.

Sam can decide if he wants to spend countless hours researching each REP on his own, then having to create some sort of graph that allows him to weed out the companies that just aren’t for him.

Or he can decide to save his time and his money.

If Sam wants to save time and money, he can do it by using Power Wizard’s Shopping tool.

Enter your zip code and let Power Wizard work its magic.

Once you enter your zip code, Power Wizard will utilize its one-of-a-kind algorithm to match your electricity needs to the perfect electricity plan for you.

You will begin by answering questions that allow us to create a powerful profile based on your family’s specifications.

Things like the age of your home, its location, and your family’s historical electricity usage all play a role in determining the best plan for you and your family.

Enter your zip code, and Power Wizard can even tell you how much you’ll save with the plan that they have matched you with.

Simply complete your personal profile and let Power Wizard do the rest by continuing to monitor your usage and adjust your plan accordingly to keep you matched with a plan that fits your needs best.

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Choose Your Plan

Now that you know that there are benefits to choosing a no-credit check electricity plan and how to find a company that offers one, it’s probably safe to say it’s time to choose your plan.

You should probably know what factors should be considered when choosing a plan when you’re not using Power Wizard’s Shopping tool.

If your plan is traditional or pay-as-you-go, you still want to make sure that the plan meets your family’s specific needs.

Here are a few things that you should consider:

  1. The terms of your current contract
  2. Your family’s usage
  3. Know your preferred contract length
  4. Know the plan type you’re looking for
  5. Compare your options

Consider the Terms of Your Current Contract

If you are looking to switch electricity plans, you will need to determine whether you’re under a contract with your current electricity company.

If you are under contract, your next step will be to determine how long you have under your current contract.

A phone call to your current company should provide you with all the answers that you need regarding your current company and plan.

There are oftentimes termination fees associated with breaking a contract early, so you want to make sure you avoid having to pay a fee.

What’s Your Family’s Historical Usage?

To determine your family’s historical usage, you can look at your electricity bill.

If you have access to an online account, you can use your account manager to calculate your average electrical usage.

Electricity plan prices can often be based on your usage, so you should make sure that you collect this data and that it’s as accurate as possible when looking for an electricity plan.

What’s Your Preferred Contract Length?

Before you decide on a plan, you should consider the preferred length of your contract or if you’d prefer a no-contract plan.

A more traditional plan that requires a contract can vary greatly in length.

If you are more flexible with your terms, you may be eligible for lower rates. If you don’t want a long-term commitment, then a plan with a shorter term length might be best for you.

Keep in mind that longer contracts often mean more stability when it comes to pricing.

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What Type of Plan are You Looking for?

Just like there are different types of cars, flavors of ice cream, and shoes, there are different types of electricity plans for your consideration.

We will break down the terms of each of those plans for you later in our article.

For now, it’s just important to note that plan type should be considered when choosing an electricity plan, even one that is a no credit check electricity plan.

Know Your Options

When shopping for an electricity plan, it is imperative that you keep a collection of all the companies and plans that you have researched that you think will work brilliantly for you and your family.

If you decide to compare prices on your own without using Power Wizard’s Shopping tool, then you might be allowing your time and energy to not be utilized to their fullest potential.

Save time trying to figure out how to use graphic functions and let Power Wizard do the math.

Power Wizard can show you your best option for electricity service.


A prepaid or pay-as-you-go electricity plan allows you to pay for electricity in advance.

There is no deposit and no long-term contract for this type of plan.

Once again, you are in control and able to decide how much electricity you want to pay for.

Service is provided on a pay-as-you-go basis, with your family’s usage calculated daily. Often companies will provide a digital monitor to help assist with user management.

Pay-as-you-go plans can have a fixed, variable, or indexed rate.

Pay-as-you-go-plans can often require upfront payment before services are turned on.

Can I Get Electricity With Bad Credit?

Have you ever asked yourself, “Can you get electricity with bad credit?”

It is possible to be able to provide electricity for your family even with bad credit.

You can find an electricity company to meet your electricity and budget needs.

When your credit is far from desirable by some electricity providers, it doesn’t mean that you can’t have the electricity service that you need.

There are plan options out there for residents whose credit did not bode well for them with other providers.

If you want to be in control of your budget, control of how you pay your electricity bill, not be subject to a high deposit, and have no long-term contract, then there are a few electricity plans that are often seen advertised as “bad credit, no problem.”

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Types Of No Credit Check Electricity Plans

Happy family with child - No Credit Check Electricity

There is often more than one way to get what you want in life.

If you choose to look at having a no-credit-check electricity plan, it is worth taking the time to determine which plan is best for you and your family.

We will break down for you the ins and outs of different types of no-credit-check electricity plans.

Keep in mind that the cheapest plan may not be the best plan for you.

It’s best to weigh your options based on your family’s needs.

Prepaid Electricity Plan

A prepaid electricity plan gives you the freedom to pay for electricity in advance.

This means there is no deposit and no long-term contract, and often no credit check.

If you live in a deregulated area in Texas, you are in control, and you are the one who gets to decide how much electricity you want to pay for.

Some REPs offer different payment options for prepaid electricity plans.

You can make your purchase in-store or online, and some companies may even accept payments via their own app.

With a no-contract plan and the ability to purchase electricity on a daily or as-needed basis, this is the type of no-credit check plan that could keep you in complete control of your electricity budget.

Traditional Electricity Plan

If you know or think that you have bad credit but still want to see what your options are for a traditional electricity plan, then you definitely have that option.

Of course, even if it’s a no-credit check electricity plan, you want to make sure that this plan meets the needs of you and your family and that you are well aware of any contractual obligations.

A traditional electricity plan typically comes with signing a contract. These vary in length from six months to a year.

There are also options for the type of traditional electricity plan that you choose.

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Variable-Rate Electricity Plan

Variable-rate electricity plans often come with short-term month-to-month service.

This month-to-month service will often require no contract and no cancellation fees and often no credit check.

However, each month, the energy charge used to calculate your bill can fluctuate.

You should probably be the type of customer who is OK, never knowing the exact cost of your monthly bill in advance.

This is in exchange for the benefit of the added flexibility of a shorter plan term.

Your rate could go up or down based on the market rate for electricity service at any given time.

You are especially at risk for an increase in rates if there should ever be a spike in prices due to natural disasters or extreme weather conditions like hot Texas summers.

Fixed-Rate Electricity Plan

With a fixed-rate electricity plan, the amount you pay monthly for your electricity plan will remain the same.

Your rate can only change due to circumstances beyond your provider’s control. If the price for transmission and distribution should rise then that is out of your REP’s control. You may be subject to an increase in the amount that you pay monthly.

A fixed-rate electricity plan often involves signing a contract.

These types of plans typically involve contracts that can last anywhere from three to thirty-six months.

There is one benefit to choosing a fixed-rate plan, and that is being secure in the fact that your rate will not fluctuate. It will remain fixed throughout the length of your contract.

Oftentimes, providers fail to mention that if market prices should fall, you don’t get the luxury of enjoying a lower electricity rate until the expiration of your current contract.

Traditional Electricity Plan With Lower Credit Requirements

Just because you have a bad credit score doesn’t mean that you can not choose a traditional plan. You’re not stuck purchasing a no credit check electricity plan.

You have every option when it comes to choosing your electricity plan.

It may come at a heftier price, but those options are there for you too.

There is, however, still another option for customers like you who want traditional service. Even if your credit score just isn’t where it needs to be to make it happen.

There are companies out there that offer traditional plans for customers with bad credit without a huge deposit?

Yes, there are.

There are REPs that offer the traditional variable-rate and fixed-rate plans to customers. Especially to those looking to purchase cheap electricity service and who are facing credit difficulties.

You can still have traditional service without breaking the bank and without having your credit checked.

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