Four ways to pay. One that fits.
Cash, loan, lease, or PPA. We walk you through the math and let the numbers pick.
Cash Purchase
The highest lifetime return. Best for homeowners with tax appetite and available capital.
- Full ownership from day one
- Captures 30% federal ITC
- Fastest payback (6–9 yrs)
- No monthly payment
Solar Loan
Our most popular option. Same tax benefits as cash, but capital stays in the bank.
- 12, 15, or 25-year terms
- You own the system + ITC
- Payment often ≤ prior utility bill
- Prepay anytime
Lease / PPA
You don't own it, but you don't manage it either. Off-balance-sheet on the commercial side.
- $0 down, $0 install
- Installer owns the system
- Locked rate for 20–25 years
- Best for low tax appetite
Loan estimator
Ballpark monthly payment after the 30% federal tax credit. Real quotes depend on credit and lender.
Incentives stack
Federal ITC
Investment Tax Credit. Applies to residential and commercial through 2032.
MACRS (commercial)
Accelerated depreciation on commercial installs — often adds another 20–25% in tax value.
State rebates
Colorado $2,500 residential ceiling. California SGIP for storage. Oregon Energy Trust.
Net metering
Sell excess production back to the grid. NEM 3.0 in CA favors PV+storage.