Financing

How to pay for solar in 2026.

The federal residential tax credit for owned systems ended in 2025, which changed the math on how to pay for solar. There are still three good ways to do it — and one question usually tells you which fits.

What matters most to you?

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Pick the goal that sounds like you

“I want to own it and maximize long-term savings.” Cash & Loan Homeowners who want to own the system and maximize long-term savings. See Cash & Loan “I want a lower upfront cost.” Prepaid Lease A prepaid lease reduces your upfront cost and can be paid via cash, or a loan. See Prepaid Lease “I want $0-down with immediate monthly savings.” Lease / PPA Homeowners who want solar with no upfront cost and immediate monthly savings. See Lease / PPA

The honest 2026 summary

Here is the part the rest of the industry tends to blur: if you own your system (cash or loan), there is no federal tax credit in 2026 — the residential credit expired at the end of 2025. The commercial incentive that still exists is captured by a financing partner who owns the system — through a prepaid lease or a lease/PPA — and applied to lower what you pay.

Own & maximize savings → cash or loan. You own the asset; the value is long-term bill elimination.
Lower upfront cost → prepaid lease. The federal commercial incentive is applied to reduce your cost — no credit check. Available in select markets.
$0-down, save monthly → lease or PPA. The incentive value is reflected in a lower rate.

Let’s find your number.

Tell us your home and your goal. We’ll show you the option that actually fits — no pressure, no call center.

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