Solar loan
Spread the purchase cost over time with a lender, while reviewing the full cost of borrowing.
- $0-down financing available, subject to approval
- 25-year loan term offered
- Review APR, fees, payment changes, and early payoff
SunRoute Energy · Solar financing
A clear path to
paying for solar.
Start with your home, your electricity use, and your budget. Compare solar ownership with third-party payment arrangements before choosing your next step.
Serving California · Consultation and sales · Installation by a separate licensed contractor
Illustrative home concept; not a completed SunRoute installation.
Our featured financing offer
Explore solar with
$0 down.
Ask about financing for your solar project with a 25-year loan term and a 25-year warranty, subject to the applicable written terms.
$0Upfront out-of-pocket payment
25 yearsLoan term
25 years*Warranty term
Subject to lender approval and program eligibility. $0 down does not mean free solar or no ongoing payments. Compare the cash and financed prices, APR, fees, payment schedule, financed amount, and total payments in the lender’s written offer. SunRoute Energy is not a lender.
*Warranty coverage depends on the provider’s written agreement. Confirm the issuer, covered equipment or work, exclusions, claims procedure, and transfer terms. A 25-year warranty does not imply that every component or service has identical coverage.
Different priorities. Different arrangements.
Understand your ways to pay.
Ownership, upfront cost, and long-term responsibilities vary. The loan offer above is available to discuss; other arrangements below are educational and depend on your project provider.
Power purchase agreement
A provider owns the system, and you buy the electricity it produces under the agreement.
- Payments are generally tied to generated energy
- Review the per-kWh rate and any increases
- Availability and upfront terms must be confirmed
Cash purchase
Pay for the system directly rather than financing the purchase.
- Review the complete installed price
- No loan interest for a cash purchase
- Confirm payment milestones and service terms
PPA · Power purchase agreement
Buy the energy.
Understand the agreement.
With a PPA, the provider owns the solar equipment and sells you the electricity it generates at the contract rate. This differs from a loan, where you finance a system purchase, and a lease, where you typically pay to use the equipment.
Who owns the system?
The third-party provider. Purchase or buyout options depend on the contract.
How do payments work?
Review the price per kilowatt-hour, billed production, agreement length, and any annual rate escalator.
Who handles service?
The agreement should specify monitoring, maintenance, repairs, coverage limits, and who you contact.
What should I check before signing a PPA?
- Starting electricity rate and any annual increases
- Production assumptions and any written performance provisions
- Remaining utility charges and how exports are credited
- Maintenance, roof work, insurance, and repair responsibilities
- Home-sale transfer, buyer approval, buyout, and early-exit rules
Is a PPA the same as $0-down loan financing?
No. A loan finances a system purchase; a PPA purchases electricity from a provider-owned system. Some providers may offer no upfront payment, but SunRoute must confirm the actual available program and its written terms for your project.
Educational overview. No PPA provider partnership, guaranteed savings, fixed rate, or PPA availability is promised on this page.
Side-by-side essentials
Compare the whole agreement.
| What to compare | Solar loan | PPA | Cash purchase |
|---|---|---|---|
| Equipment ownership | Purchased system, subject to financing terms | Provider-owned system | Purchased system |
| Upfront payment | $0-down option, subject to approval | Depends on the offered program | Purchase price and payment milestones |
| Ongoing payments | Loan repayment; review APR and fees | Energy charges; review rate and escalator | No loan payments; utility and service costs may remain |
| Maintenance | Review installer and manufacturer agreements | Review provider’s contract responsibilities | Review installer and manufacturer agreements |
| Selling your home | Review payoff, liens, and transfer requirements | Review buyer assumption and buyout rules | Review transferable warranties |
Prepare for your consultation
Start with the right questions.
Email my financing questions ↗Opens an email draft for you to send. This is not a credit application and does not perform a credit check.
Your next steps
From your bill to a clear proposal.
Share your priorities
Bring a recent electric bill and tell us about your home, budget, and battery backup needs. Upload your bill securely ↗
Compare written options
Review the cash price, available financing terms, ownership, service responsibilities, and warranty details.
Choose your next step
Book a consultation. Any credit application takes place through the actual lender’s secure process.
Your financing questions, answered.
Does SunRoute have $0-down financing?
Yes. Ask about our $0-down offer with a 25-year loan term. Approval, APR, fees, and payments depend on lender eligibility and the written offer.
What does the 25-year warranty cover?
Request the actual provider’s warranty. The term alone does not define coverage. Ask about equipment, workmanship, exclusions, labor, claims, and transfer rules; coverage may differ by component.
Will solar remove my utility bill?
No bill elimination or savings amount is guaranteed. Your results depend on usage, system design, utility rates and rules, and the payment arrangement. Utility charges may remain.
Can I compare without applying for credit?
Yes. This page and the free consultation do not submit a credit application. Before applying with a lender, review its credit-check disclosures.
Are rebates or tax credits included?
No incentive amount is promised here. Confirm current eligibility with the responsible provider and a qualified tax professional before including incentives in your budget.
Does SunRoute install the system?
SunRoute provides solar sales and consultations. Installation is performed by a separate appropriately licensed contractor under its own agreement.
Free consultation · California
Find the payment path
that fits your home.
Choose an available appointment time and complete the booking form to reserve your consultation.