Solar Financing Options
Compare cash, loan, and lease terms before choosing how to pay
Solar Loan
- •Subject to lender approval and current terms
- •Compare cash price, APR, fees, and total payments
- •Confirm prepayment and transfer terms in writing
- •Fixed-payment options may be available
Cash Purchase
- •Pay the disclosed cash price without financing
- •No lender interest or dealer fees
- •Direct equipment ownership
- •No monthly payments
Lease Options
- •Availability depends on the provider and address
- •Review payment escalators and total term cost
- •Confirm maintenance and warranty responsibility
- •Review sale, transfer, and buyout terms
Current Tax Considerations
Federal Residential Credit Update
Section 25D is no longer available for new residential clean-energy expenditures after December 31, 2025. New 2026 residential proposals should not subtract a 30% federal credit.
- Ask a tax professional about older eligible projects
- Unused carryforwards depend on your tax situation
State & Local Incentives
Florida provides qualifying solar-equipment sales-tax treatment and assessed-value treatment for qualifying renewable-energy devices. Utility programs vary by tariff and address.
- Verify eligibility with Florida and county authorities
- Confirm utility programs before signing
Ready to Compare Options?
Request the available cash, loan, and lease terms and compare the written disclosures for your project.
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Solar financing — common questions
Cash price, loans, leases, current tax treatment, and the disclosures to compare. The basics in plain language.
Can I get solar with no money down?
Some partner-lender programs may offer no-down-payment options, subject to approval and current terms. Compare the cash price with the financed amount, APR, fees, term, and total payments; no-down financing does not guarantee immediate or lifetime savings.
What credit score do I need to finance solar?
Requirements vary by lender, product, income, debt, and current underwriting rules. UnionGrid cannot promise approval or a rate from a score alone; a lender's written disclosure is the authoritative source for your application.
What is the federal solar tax credit and how does it work?
The Section 25D residential clean energy credit cannot be claimed for new expenditures after December 31, 2025. New 2026 residential proposals should not subtract a 30% federal credit. Ask a tax professional about an older eligible project or unused carryforward.
Loan vs. lease vs. cash — which is best?
The best fit depends on cash price, APR, fees, term, tax ownership, maintenance, warranties, transfer terms, and how long you expect to own the home. Compare total cost and ownership rights, not only the monthly payment.
When do my loan payments start?
The first-payment date depends on the lender agreement and may not match interconnection or permission to operate. Confirm the trigger and exact date in the loan documents before signing.
Are there state or local solar incentives in Florida?
Florida has sales-tax treatment for qualifying solar-energy equipment and assessed-value treatment for qualifying renewable-energy devices. Eligibility and utility programs can vary, so verify the equipment, address, county, and current tariff with the relevant authority.
Can I finance battery storage too?
A battery may be included in some financing programs, subject to lender and product terms. The expired Section 25D residential credit should not be assumed for new 2026 battery expenditures. Compare the battery's cash price, financed cost, warranty, and supported loads.
What happens to my solar loan if I sell my home?
Sale treatment depends on the contract and lien structure. The loan may require payoff, may permit an approved transfer, or may affect closing. Review the lender's transfer and prepayment terms and give the documents to your real-estate and closing professionals early.