Financing & incentives

Solar should cost less per month than your old bill.

We model cash, loan, lease and PPA side-by-side so you can pick what fits — and apply every incentive your address qualifies for.

scroll down

Cash

Best long-term return. Lowest lifetime cost.

Pros

Highest 25-yr savings

No interest paid

Full ownership

Trade-offs

Largest up-front outlay

Pay $24k now, save $42k over 25 yrs

Cash

Best long-term return. Lowest lifetime cost.

Pros

Highest 25-yr savings

No interest paid

Full ownership

Trade-offs

Largest up-front outlay

Pay $24k now, save $42k over 25 yrs

Solar loan

$0 down. Fixed monthly payment, often less than your old bill.

Pros

No money down

You still own the system

Tax credit applied to balance

Trade-offs

Interest over 12–25 yrs

$0 down · $172/mo · 6.99% APR · 12 yr

Solar loan

$0 down. Fixed monthly payment, often less than your old bill.

Pros

No money down

You still own the system

Tax credit applied to balance

Trade-offs

Interest over 12–25 yrs

$0 down · $172/mo · 6.99% APR · 12 yr

Lease / PPA

Solwell owns and maintains the system. You pay for power produced.

Pros

Zero responsibility

Locked rate

No upfront cost

Trade-offs

No tax credit (we get it)

$0.11/kWh, fixed 20 yrs

Lease / PPA

Solwell owns and maintains the system. You pay for power produced.

Pros

Zero responsibility

Locked rate

No upfront cost

Trade-offs

No tax credit (we get it)

$0.11/kWh, fixed 20 yrs

Stacking incentives

Most homeowners knock 35–55% off the sticker price.

Federal credit applies almost everywhere. State, utility and local rebates vary block-by-block. We do the paperwork.

30%

Through 2032

$1k–$5k

Typical state credit

Suburban home with solar panels on a red roof

$0.10/kWh

Where available\

Solar inverter technology installed indoors

5–7 yr

Typical cash payback

FAQ

Common questions, answered.

Solar financing can feel complicated at first. These answers break down the common questions around credits, loans, incentives, ownership, and what happens if your situation changes.

FAQ

Common questions, answered.

Solar financing can feel complicated at first. These answers break down the common questions around credits, loans, incentives, ownership, and what happens if your situation changes.

Who actually qualifies for the 30% credit?

Anyone with U.S. tax liability who owns the system. Cash and loan buyers qualify; lease/PPA customers don't (Solwell takes the credit and prices it in).

Can I use HELOC instead of a solar loan?

What if I sell my house?