Payless Power
12 Month - Prepaid - No Deposit & No Credit Check
Rate
18.50¢
Term
12 Months
$1000 kWh
$185
Rates as of August 2026 · verify on the EFL
- ✓ 26% green
- ✓ No deposit / no credit check
2 plans
No-Deposit Electricity Plans
Get the lights on without a credit check or upfront deposit.
Top picks
Our top 2 no-deposit plans.
Prices shown are each plan's lowest-cost utility area — enter your ZIP on the plan list for pricing on your wires.
Payless Power
6 Month - Prepaid -No Deposit & No Credit Check
Rate
18.60¢
Term
6 Months
$1000 kWh
$186
Rates as of August 2026 · verify on the EFL
- ✓ 26% green
- ✓ No deposit / no credit check
No deposit with good credit
Skip the deposit if you qualify.
Only prepaid plans are guaranteed no-deposit for everyone. But in Texas the deposit is credit-based, not plan-based — most standard plans waive the $200–$400 deposit if you pass a soft or hard credit check, and they're usually cheaper than prepaid. Here are the lowest-rate standard plans available now.
Just Energy
Smart Choice - 12
Rate
5.60¢
Term
12 Months
$1000 kWh
$56
Rates as of August 2026 · verify on the EFL
- ✓ 31% green
- ✓ $125 bill credit when you use 1000 kWh
- ✓ 60-Day Happiness Guarantee
Just Energy
Power Plus - 12
Rate
6.00¢
Term
12 Months
$1000 kWh
$60
Rates as of August 2026 · verify on the EFL
- ✓ 26% green
- ✓ $100 bill credit when you use 1000 kWh
- ✓ 60-Day Happiness Guarantee
APGE
SimpleSaver 11
Rate
6.20¢
Term
11 Months
$1000 kWh
$62
Rates as of August 2026 · verify on the EFL
60-Day Guarantee 60-Day Guarantee New residential customers can switch to any APG&E plan within 60 days of their enrollment date. To exercise the guarantee, call APG&E customer service within the 60-day window. Switching to a different APG&E plan does not waive the early termination fee for switching to a different provider — the guarantee covers in-network plan changes only.
View plan →
APGE
SimpleSaver 12
Rate
6.30¢
Term
12 Months
$1000 kWh
$63
Rates as of August 2026 · verify on the EFL
60-Day Guarantee 60-Day Guarantee New residential customers can switch to any APG&E plan within 60 days of their enrollment date. To exercise the guarantee, call APG&E customer service within the 60-day window. Switching to a different APG&E plan does not waive the early termination fee for switching to a different provider — the guarantee covers in-network plan changes only.
View plan →
Discount Power
Bill Credit Bundle 12
Rate
6.30¢
Term
12 Months
$1000 kWh
$63
Rates as of August 2026 · verify on the EFL
- ✓ 20% green
Cirro Energy
Bill Bonus 24
Rate
6.30¢
Term
24 Months
$1000 kWh
$63
Rates as of August 2026 · verify on the EFL
- ✓ 24% green
Related
Learn before you switch
Before you sign a contract, these are the guides we'd read.
Moving
Moving in Texas: How to Set Up Electricity
Same-day power is possible — if you do these four things before the move.
6 min read
Decision
How to Choose a Texas Electric Company (Without the Tricks)
The cheapest rate on the page is rarely the cheapest plan. Here's how to read a Texas electricity offer — what to check, what to ignore, when to wait.
10 min read
Shopping
Understanding the Electricity Facts Label (EFL)
The EFL is the single most important document in Texas electricity shopping. Here’s how to decode it.
6 min read
Savings
How to Lower Your Electric Bill in Texas
Practical changes — and the ones that are just marketing — to cut your monthly bill.
7 min read
FAQ
Common questions.
How do no-deposit plans work?
+
Two flavors: prepaid plans (you load a balance) and soft-pull plans (no hard credit check). Both skip the $200–$400 deposit most Texas providers require for a standard plan.
Are rates higher on no-deposit plans?
+
Slightly — currently 12.9–13.0¢/kWh higher than the absolute market low, based on today's snapshot. The tradeoff is same-day activation and no credit impact.
Ready to pick a no-deposit plan?
Enter your ZIP to filter for plans available on your meter.
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How enrollment works
You pick the plan here. Enrollment finishes on our secure checkout — same rate, no markup. If you'd rather skip the ZIP entry, Live Link pulls your real usage from Smart Meter Texas in about 30 seconds. Same plans, same checkout, less typing.