Residential Solar Financing


Buying a solar system has the highest return on investment. We really encourage everyone to explore the many ownership paths available outside of cash. For some customers leasing (PPA) may be appropriate. Often times ownership payments are lower than lease payments along with many benefits below.  We highly encourage everyone to explore ownership.
  • Cash flow positive
  • Path to ownership
  • Rates as low as 2.99% for 12 years (with approved credit)
  • Rates as low as 5.49% for 20 years (with approved credit)
  • Various repayment options with up to 90 days no payments (with interest)
  • Asset on your home (appraises higher)
  • Very desirable when selling
  • Great return on investment
  • Tier 1 starts at 690, Tier 2: 640-689 (FICO scores)
  • Can pay back tax credit and amortize remaining balance (in first 18 months)


PACE (property assessed clean energy) is a government-backed financing program. It provides upfront funding for your home energy efficiency, renewable energy and water-saving improvements. The financing is repaid on your property tax bill over the course of up to 25 years. There are no out of pocket costs and acceptance is not based on your FICO score.
  • 5-25 year terms
  • Interest may be deductable
  • Does not show up on your personal credit
  • Paid evenly over you biannual taxes during term of loan
  • Cash flow positive on longer term loans

Understanding PACE Financing

Commercial solar systems financing - CaliforniaFIRST
Commercial solar systems financing - Ygrene works
Commercial solar systems financing - hero
Commercial solar systems financing - mPOWERPLACER

Note: SolarNorcal, LLC does not make loans or assessments and is neither a lender nor a broker. Financing is provided by independent companies, financing approvals are subject to standard credit acceptance and documentation requirements.