$0 down, 0% APR options, and loan structures that pair cleanly with the federal tax credit. Compare every path side-by-side before you sign.
Start saving from day one with no upfront cost.
Promotional rates that beat utility inflation.
10, 15, 20, or 25-year terms to match your budget.
Pay cash, finance, or mix — we'll show the math both ways.
Best for: Homeowners with cash on hand and federal tax liability to absorb the credit.
Best for: Most California homeowners — the typical first-choice path.
Best for: Homeowners with strong home equity but limited credit options.
System size
7.2 kW
Installed price
$19,200
Net after est. 30% credit
$13,440
0% APR · 12 yr
$93/mo
5.99% APR · 20 yr
$96/mo
7.99% APR · 25 yr
$104/mo
Illustrative only. Numbers above assume a representative 7.2 kW system, the 30% federal credit applied as a year-1 principal paydown, and current promotional APRs. Your actual price, eligible credit, and rate depend on your home, credit, and current law. Always confirm tax credit eligibility with a qualified tax professional.
For most California homeowners, yes — that's the design goal. We size the system to your usage, then match the loan term so the monthly payment is below your average utility bill. You see the side-by-side numbers in writing before you sign.
No. We work with multiple lenders covering a wide credit range. Most homeowners with mid-600s+ credit qualify for competitive APR options. Soft credit pulls during pre-qualification do not impact your score.
The Residential Clean Energy Credit historically reduces your federal income tax bill by a percentage of qualified costs. Most solar loans are structured with an 'expected tax credit' window: you make slightly higher 'pre-buydown' payments for the first 12–18 months, then apply your tax credit as a lump-sum principal paydown to drop the payment for the remaining term. Eligibility and amount depend on current law and your tax situation — confirm with a qualified tax professional.
Your monthly payment stays at the higher 'pre-buydown' amount for the full term. The total cost of the system goes up — sometimes meaningfully. We walk through both scenarios so you understand the trade-off before signing.
Yes. Every loan we offer permits prepayment without penalty. Many homeowners do an early payoff in years 5–10 once the system has fully replaced their utility bill.
Standard solar loans are personal loans tied to you — not a lien on the home. PACE financing is different (it transfers via property tax) and may require buyer assumption or payoff at sale. We disclose these differences clearly during quoting.
Don't let upfront costs hold you back. We offer multiple financing options including $0 down and 0% APR plans, so you can start saving on day one — often for less than your current electricity bill.