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Solar loans are a great solar panel financing option if you want to buy your system. With many solar energy loans, you can finance the entire cost of your system. These loans may be secured (using your property as collateral) or unsecured.

Top 4 considerations for solar loans:

  • Your monthly savings on your electric bills should be greater than the loan’s monthly payment, allowing you to start saving money fast.

  • Save 40 to 70 percent on electricity costs over the lifetime of your system, as compared to doing nothing, by choosing a loan as your solar panel financing option.

  • Solar loans have the same basic structure, terms and conditions as other home improvement loans. Some states even offer subsidized solar energy loans with below-market interest rates.

  • By buying your system outright, you are eligible for financial incentives like the federal investment tax credit (ITC). Interest on secured solar loans may also be tax deductible, which means additional savings on your income taxes.

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