Solar Financing Options
Going solar does not have to start with a $0-down pitch. We show who owns the system, who keeps the tax credit, and when the payment ends.
Buy, lease, or PPA — who keeps the savings
Door-knockers lead with $0 down. The contract decides who gets the tax credit and who pays when the rate escalates. We walk the three paths in plain English before anyone signs.
Usually best
Purchase or loan
You own the system. You claim the federal tax credit. The loan ends. Utility bills do not. That is the path we recommend when credit and tax situation allow.
Read the escalator
Lease
The company owns the array and usually keeps the tax credit. You rent your roof. Monthly payments often rise 2.9–4% a year. Fine for some homes. Not the savings story on the flyer.
We do not push this
PPA
You buy a set amount of power whether you use it or not. The installer keeps the credit and a 20–30 year income stream. Ask who owns the system in year 12 before you initial that page.
Solar Financing Options
Choose the payment option that works best for your budget
Cash Purchase
Advantages:
- Lowest total cost
- Immediate ownership
- Maximum tax credits
- No interest
Considerations:
- •Higher upfront cost
Best for: Homeowners with available capital
Solar Loan
Advantages:
- Low monthly payments
- Own the system
- Tax credits apply
- Fixed interest rates
Considerations:
- •Interest payments
- •Credit check required
Best for: Homeowners who want ownership with financing
Solar Lease
Advantages:
- No upfront cost
- Fixed monthly payment
- Maintenance included
- Easy approval
Considerations:
- •Don't own system
- •No tax credits
- •Long-term commitment
Best for: Homeowners who want zero upfront cost
Power Purchase Agreement (PPA)
Advantages:
- No upfront cost
- Pay for power generated
- Maintenance included
- No long-term debt
Considerations:
- •Don't own system
- •No tax credits
- •Rates may increase
Best for: Homeowners who want to pay only for energy used
Not sure which option is right for you? Our team can help you choose.
Get Free Financing ConsultationWhy Finance Your Solar System?
Start Saving Immediately
With financing, you can start saving on electricity bills right away, even while paying for the system.
Tax Credits Still Apply
When you finance with a loan, you still qualify for the 30% federal tax credit, reducing your net cost.
$0 down is not free
Leases and PPAs skip the down payment because the company keeps the system and usually the tax credit. Read that trade before you sign.
Frequently Asked Questions
Do I qualify for solar financing?
Most homeowners with good credit (650+) qualify for solar loans. Leases and PPAs have more lenient requirements. Contact us for a free credit check and pre-qualification.
Can I still get the tax credit if I finance?
Yes! If you purchase with a solar loan, you own the system and qualify for the 30% federal tax credit. Leases and PPAs don't qualify since you don't own the system.
What's the difference between a lease and a loan?
With a loan, you own the system and can claim tax credits. With a lease, you pay a fixed monthly fee but don't own the system. Loans typically have better long-term value.
Discuss Your Solar Project
Request a site assessment or schedule a consultation. No obligation.