Homeowners reviewing solar financing paperwork at their kitchen table

Financing options.

Three honest ways to pay for a Sol & Sun system, so you can pick the one that fits your budget.

Cash purchase

Own the system outright from day one, with the lowest lifetime cost.

Lowest total cost over 25 years
You keep 100% of the savings
Eligible for any available incentives
Adds value to your home
Highest upfront cost
No monthly payment to plan around

Solar loan

Spread the cost over fixed monthly payments while you still own the system.

Little to no money down
You own the system and any incentives
Fixed monthly payment
Often lower than your old utility bill
Interest adds to total cost
A loan payment on top of any remaining utility bill

Lease / PPA

Someone else owns the equipment — you just pay for the power it produces.

$0 down in most cases
Maintenance handled by the provider
Predictable monthly payment
You don't own the system or its incentives
Lowest long-term savings of the three
Can complicate a home sale
Couple reviewing solar system plans with a consultant

Not sure which option fits?

Your free site survey includes a side-by-side breakdown of exact numbers for cash, loan and lease against your own bill — so you can compare real figures, not estimates.

Request my free survey