Solar Financing
Loans, leases, PPAs, and cash options — find the best way to pay for solar.
Solar Financing Options: Loans, Leases, and PPAs Explained
Not everyone can — or should — pay cash for solar. The good news: there are four main ways to finance solar, each with different upfront costs, ownership rights, and long-term savings. Here is how to choose the right one.
Solar Loan Guide: How to Finance Solar With Zero Down
A solar loan lets you own your system with $0 down and keep all your long-term savings and home-value increase. Rates range from 4.99%–9.99% depending on your credit score and loan type. Here is everything you need to know before signing.
Solar Lease vs. PPA: Which Is Better in 2026?
Solar leases and power purchase agreements (PPAs) are both $0-down options, but they are not the same product. A lease charges a fixed monthly fee; a PPA charges per kWh of solar power produced. The right choice depends on your electricity usage pattern and utility rates.
Solar Loan vs. HELOC: Which Financing Option Is Better?
A dedicated solar loan and a HELOC can both finance a system with no money down, but they work differently. Here is how to decide which is the better fit.
Can You Get Solar Panels With Bad Credit?
A low credit score makes solar financing harder, but it does not necessarily rule it out. Here are the realistic options if a standard solar loan is not available to you.
Refinancing a Solar Loan: When It Makes Sense
If your original solar loan carried a high rate or you now qualify for better terms, refinancing can lower your monthly payment — here is when it is worth it.
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