Own your solar system from day one — financed over time.
A solar loan lets you purchase the system outright while spreading the cost into structured monthly payments. Ownership stays with you, panel equity is yours, and you remain eligible for federal and state incentives that go directly to the system owner.
Equity stays with you
You own the panels from the day the system is activated. Panel equity may add to your home's appraised value, subject to local market and appraiser treatment.
ITC goes to the owner — you
May qualify for the 30% federal Investment Tax Credit (ITC), subject to IRS rules and your tax situation. Your advisor can point you to IRS Form 5695 for claiming.
Terms structured around your budget
Fixed monthly payments with competitive interest rates. $0-down pathways are available for eligible credit profiles. Term length and rate are confirmed in writing before you sign.
You own the system. A trusted lender finances it.
Your solar loan is provided by a trusted third-party lender we work with. The lender finances the system purchase; you own the equipment from day one. Monthly loan payments are fixed — they don't change with utility rate moves and they don't change with how much the system produces.
Because you own the system, you're the one who may claim the federal Investment Tax Credit (subject to IRS rules and your personal tax situation) and any applicable state-level incentives. Those incentives flow directly to you, not to CaliSolar and not to the lender.
- Want to own your system and build long-term equity.
- Want to claim the 30% federal ITC (if you have the tax liability to use it).
- Prefer fixed monthly payments over variable utility rates.
- Plan to stay in your home long enough to benefit from the credits.
- Have a credit profile that qualifies for competitive loan terms.
From first quote to Permission to Operate.
1. Free consultation
We review your utility history, roof condition, and energy goals. No cost, no obligation. Typical call is 30 minutes.
2. System design + loan quote
Your advisor builds a system design tailored to your home and produces a loan quote with term, APR, and monthly payment. You review both before committing.
3. Credit + approval
We connect you with a trusted loan provider for a fast-approval review. Terms are confirmed in writing before you sign anything.
4. Permits + install
Permitting can take up to 8 weeks depending on your city. Installation is performed by Simple Power under CA C-10 License #1,111,652.
5. Inspection + PTO
City or county performs a final inspection. Once it passes, we submit documents to your utility. You can start producing once Permission to Operate (PTO) is granted.
6. Activation + monitoring
Your system goes live, monitoring begins, and you start claiming any applicable incentives in the tax year of activation.
Solar loan questions homeowners ask us.
How does the $0-down loan pathway work?
For eligible credit profiles, the lender may finance 100% of the system cost, meaning nothing due at signing. Eligibility is credit-based and confirmed before you commit. Not every homeowner will qualify for $0 down — your advisor confirms your specific terms in writing.
What is the interest rate?
Rates vary by term length, credit profile, and current lender pricing. Your quote will state the exact APR, monthly payment, and total financed amount. We don't publish a single rate because terms change frequently and are unique per applicant.
Is the loan secured against my home?
Our standard solar loan partners offer unsecured financing — the loan is not secured by your home. That said, specific lender terms can vary and your written quote will state whether the loan is secured or unsecured.
Can I claim the 30% federal tax credit?
Because you own the system under a loan, you — not CaliSolar or the lender — may claim the federal Investment Tax Credit. Whether you can actually use the full 30% depends on your tax liability and filing. We recommend confirming with a tax advisor or checking IRS Form 5695 for residential energy credits.
What happens if I sell my home before the loan is paid off?
Two common paths: you pay off the remaining loan balance at closing (often from the sale proceeds), or the loan transfers to the new homeowner if the lender and buyer both qualify. Our team helps coordinate whichever path fits the sale.
Is the loan interest tax-deductible?
Interest on an unsecured solar loan is generally not tax-deductible, unlike a home-equity loan which is secured against your home. Tax treatment depends on your personal situation — confirm with a tax advisor.
Get a written loan quote for your home.
We pull your utility history, size a system for your roof, and produce a loan proposal with specific APR, term length, and monthly payment — no commitment, no pressure.
Talk to a Loan Advisor