Every year.
Savings are reviewed each year. Any shortfall is refunded in full, with no cap.
Subscription, lease, loan, or cash
A better way to pay for your power.
A solar plan should work for your home and your budget. Choose a subscription for a shorter commitment, or compare lease, loan, and cash options for your home.
Solar savings with more ways to pay
A smaller bill. A shorter commitment.
Solar subscription.
Save 30% every year. Guaranteed.
Enjoy solar at home without buying the equipment. Choose a 3- or 5-year subscription with a flat monthly payment that stays the same throughout your term.
Explore my subscriptionTalk it through with our team3 or 5 years
Choose a term that fits your plans.
One flat rate
No annual payment increases during your term.
Selling your home?
If the buyer doesn’t want the system, it’s removed at no cost to you.
At the end of your term, renew or have the system removed at no cost. Your personal offer confirms eligibility and payment.
Free solar calculator
Four ways to go solar. One place to compare.
Explore subscription, lease, finance, and cash options around your home and electric bill.
Ways to go solar
Compare cost and ownership.
Solar subscription
A flat monthly payment, a choice of 3- or 5-year terms, and a 30% savings guarantee every year.
- Often fits
- Homeowners who want solar savings without buying equipment or making a long-term lease commitment.
- Read carefully
- Your offer confirms eligibility and payment. Savings are reviewed every year. Any shortfall is refunded in full, with no cap.
Cash purchase
Pay the project price upfront and avoid solar-loan interest or lease payments.
- Often fits
- Homeowners prioritizing the lowest potential lifetime cost and straightforward ownership.
- Read carefully
- Keep enough liquidity for other priorities and compare the solar investment with other uses of the cash.
Solar loan
Finance a homeowner-owned system through scheduled principal and interest payments.
- Often fits
- Homeowners who want ownership without paying the full project cost upfront.
- Read carefully
- Compare cash price, financed principal, APR, term, dealer or origination fees, total payments, and prepayment rules.
Solar lease
A third party owns the equipment while you make payments under a long-term agreement.
- Often fits
- Homeowners who value a lower upfront commitment and provider-defined service coverage.
- Read carefully
- Review escalators, transfer and buyout terms, roof-work responsibilities, end-of-term choices, and which party receives incentives.
Side-by-side
Compare the terms that last.
Your written proposal and finance agreement control.
| Decision point | Subscription | Cash | Loan | Lease |
|---|---|---|---|---|
| System owner | Provider-owned equipment; no equipment purchase | Homeowner | Homeowner, subject to lender terms | Third-party provider |
| Upfront cost | Your personal offer confirms any upfront charges | Highest | Often low or $0 down | Often low or $0 down |
| Ongoing solar payment | Flat monthly subscription for a 3- or 5-year term | None | Principal and interest for the loan term | Monthly or prepaid lease obligation |
| Total-cost drivers | 30% savings guaranteed every year; any shortfall refunded in full, with no cap | Project price and opportunity cost | Cash price, fees, APR, term, and prepayment | Payment, escalator, term, buyout, and end-of-term terms |
| Maintenance | Service coverage is confirmed in your subscription agreement | Homeowner relies on written installer and manufacturer coverage | Same ownership responsibility as cash unless added coverage applies | Provider responsibility as defined by the lease |
| Home sale | If the buyer doesn’t want the system, it’s removed at no cost to you | Usually transfers with the home | Loan payoff or transfer depends on lender terms | Buyer assumption, prepayment, or buyout depends on the agreement |
| At the end of the term | Renew or have the system removed at no cost | Keep the system you own | Keep your system after the loan is repaid | Renewal, purchase, or removal depends on the lease |
| 2026 federal residential credit | The IRS says the Residential Clean Energy Credit is unavailable for property placed in service after December 31, 2025. Verify personal tax questions independently. | |||
Compare these two prices
Compare cash and financed prices.
The Consumer Financial Protection Bureau has reported that some solar-specific loans included markups and fees that increased the principal substantially above the cash price. That does not mean every loan is a bad choice. It means the comparison must be complete.
Cash price
The installed price for the same system without solar financing.
Financed principal
The amount you actually borrow after any financing charges are included.
APR and term
The interest rate and number of years determine far more than the first payment.
Total of payments
The complete scheduled amount paid if the loan runs to the end of its term.
Lease versus PPA
A lease generally charges for use of the solar system. A power purchase agreement generally charges for the electricity the system produces. In both structures, a third party commonly owns the equipment. Read payment changes, minimum-production terms, maintenance, roof work, home-sale transfer, buyout, renewal, and removal provisions before signing.
Florida tax treatment
Florida law provides sales-tax treatment for qualifying solar energy systems and an assessment treatment for qualifying renewable-energy devices. Those state provisions are separate from the federal residential credit that ended for new 2026 projects.
Official guidance
Check the source.
Financing questions
Know what you are signing.
How does the solar subscription work?
You use solar at home without buying the equipment. Choose a 3- or 5-year term with a flat monthly subscription payment and no annual payment increases during that term. Your personal offer confirms eligibility and payment.
How does the 30% savings guarantee work?
You are guaranteed 30% savings every year. Savings are reviewed annually, and any shortfall is refunded in full, with no cap.
What if I sell my home?
If the buyer doesn’t want the solar subscription, the system is removed at no cost to you.
What happens when my subscription term ends?
At the end of your 3- or 5-year term, you can renew or have the system removed at no cost. Review the renewal terms in your offer before choosing your next term.
Is the calculator amount just my subscription payment?
No. The subscription illustration combines the subscription and remaining utility costs into an estimated monthly average based on your current electricity costs. Your personal offer confirms the actual subscription payment. Your home can still have a utility bill.
Which solar payment option usually has the lowest total cost?
A cash purchase often has the lowest total cost because there is no loan interest or third-party ownership cost, but it requires the largest upfront payment. The best choice still depends on liquidity, opportunity cost, loan terms, and how long you expect to own the home.
Do I own the solar system if I use a loan?
Usually, yes. A solar loan generally finances a homeowner-owned system. The lender may hold a security interest, and payoff or transfer requirements vary, so review the credit agreement as carefully as the installation contract.
Who owns leased solar panels?
With a lease, the solar provider or financing company generally owns the system while the homeowner pays for access to it. The owner normally receives any available ownership-based incentives and is responsible for maintenance defined in the agreement.
Is the 30% federal residential solar credit available for a new 2026 installation?
The IRS currently states that the Residential Clean Energy Credit is not available for property placed in service after December 31, 2025. Do not allow a 2026 payment proposal to assume that credit without independent tax advice.
Subscription, lease, loan, and cash
Compare your solar payment options.
Interested in a subscription? We’ll walk you through the savings, payment, and term options for your home.
- Designed for your roof, shade, and utility
- Clear production and pricing estimates
- Help with permits, installation, and activation
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