Solar Loan Program
We work directly with valued partners and preferred licensed contractors throughout California. With low rates and loans up to $80,000, our goal is that solar actually saves you money — today and tomorrow.
Loans up to $80,000
Low Rates
Loans Go Beyond Panels
Up to 20-Year Loans
The Benefits of Solar Financing
Last chance to get a 30% federal tax credit and sell your extra energy with net metering. Consult a professional advisor to determine eligibility.
Finance a solar power system or home battery to save on electricity costs month after month.
Support clean energy and reduce your carbon footprint right here in San Diego.
How It Works
Join thousands of other San Diegans who have switched to solar
We work with preferred licensed contractors throughout California
Low rates, loans up to $80,000, simple online application
Lower utility bills from day one
Kilowatt hours of clean energy financed
Maximum loan amount
Federal tax credit available
Solar Rates
| Terms | Maximum Loan Amount | APR* As low as | Estimated monthly payment per $1,000 | With Inspired Checking2 As low as | Estimated monthly payment per $1,000 |
|---|---|---|---|---|---|
| Up to 60 months1 | $80,000 | 5.49% | $19.10 | 5.24% | $18.98 |
| 61 - 96 months1 | $80,000 | 6.49% | $13.38 | 6.24% | $13.26 |
| 97 - 120 months1 | $80,000 | 6.74% | $11.48 | 6.49% | $11.35 |
| 121 - 144 months1 | $80,000 | 7.49% | $10.55 | 7.24% | $10.41 |
| 145 - 180 months1 | $80,000 | 7.74% | $9.41 | 7.49% | $9.26 |
| 181 - 240 months1 | $80,000 | 7.99% | $8.36 | 7.74% | $8.20 |
* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are based on credit worthiness, payment method and loan term. Rates are effective June 1, 2026 and are subject to change without notice.
1 Payment may be deferred for up to 90 days from loan funding. Interest will accrue during the deferral period. Not all borrowers will qualify.
2Inspired Checking Loan Discount – Take 0.25% APR off when you open an Inspired Checking account with a new eligible loan and set up automatic loan payments from the Inspired Checking account (per eligible loan).
Inspired Checking is a variable rate account. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA.
Energy Efficient Loans includes Water Conservation program.
Product Details for Energy Efficient
The CA. SB2, Atkins. Building Homes and Job Act imposes a fee of $75.
UCC-1 filing is required.
Frequently Asked Questions
Everything you need to know about our Solar Loan Program
A Wheelhouse Credit Union Solar Loan can be used to finance qualifying solar panels, battery storage systems, and other eligible energy-efficient home improvements. It's a convenient way to invest in upgrades that can reduce utility costs and improve your home's energy efficiency.
A solar loan allows you to install solar panels without paying the full cost upfront. By financing your project, you can begin enjoying potential energy savings immediately while preserving your savings for other financial goals.
Yes. Many homeowners choose to finance a complete solar energy system that includes solar panels and battery storage. Adding battery storage can help provide backup power during outages and allow you to maximize the energy generated by your solar system.
Solar incentives change over time and may depend on when your system is installed. Because federal tax laws changed significantly beginning in 2026, homeowners should consult a qualified tax advisor to determine which credits, rebates, or utility incentives may still apply to their project. California homeowners may also qualify for local utility or battery storage incentive programs depending on their location.
Savings vary based on your home's energy usage, system size, utility rates, and available incentives. Many homeowners offset a significant portion of their monthly electric bill, making solar a smart long-term investment.