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SOLAR LOANS

SAN DIEGO'S #1 SOLAR FINANCING LENDER

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RESIDENTIAL SOLAR LOANS

We work directly with our valued partners, including over 100 installers across Southern California, so that switching to solar is easy. With low rates and loans up to $80,000 our goal is that solar doesn’t cost you money—now or later—but actually saves you money today and tomorrow. But that’s not all—here are three more reasons to go solar:

Increase the Value of Your Home

Installing solar adds significant value to your home and property, and can also offer tax benefits.

Help the Environment

Solar energy is clean energy, decreasing dependence on fossil fuels and lowering your carbon footprint.

Save Money on Your Electric Bill

Your solar panels can reduce your electric bill to zero or near zero, and you’re protected against rising utility rates.

Solar is in our wheelhouse. We make it incredibly easy and affordable to switch to solar.

Streamlined process

We work on the financing directly with your chosen solar contractor

Flexible terms

Choose the terms and monthly payments that fit your budget

Local financing

Wheelhouse is a trusted, local credit union based in San Diego

Extensive network of contractors

We’ve built solid relationships with a large network of solar contractors

Expert service

We know solar, and can provide ongoing support and education about the solar installation process.

Low rates

As a credit union, we pass our earnings on to our members in the form of low rates and fees.

Get a 30% federal tax credit

When you buy a residential solar PV system, you may be eligible for a “Residential Renewable Energy” federal investment tax credit.

A federal tax credit of 30% of the total system cost is available for systems in place before December 31, 2019. Please consult your tax advisor.

Find out more about the cost of solar

Sell your extra energy with net metering

Use every kWh your system produces! During the day, many solar owners generate more electricity than they consume. Net metering lets you feed that unused electricity back into the grid and credits your electric bill.

You can use that credit towards the electricity you use at night or on especially cloudy days when your system produces less. You’re only billed for the “net” energy used each month—the difference between what your solar power system produced and what your household used.

Today’s Solar Loan Rates

Solar and Energy Efficiency Loans

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

* APR = Annual Percentage Rate. Rates are based on credit worthiness, payment method and loan term. Rates are effective November 1, 2019 and are subject to change.

Energy Efficiency Loans includes Water Conservation program.

Product Details for Solar Product Details for Energy Efficiency

Terms

Up to 96 months

Minimum Loan Amount

$2,500

APR*

As low as 4.74%

Estimated monthly payment per $1,000

$12.54 (at 96 months)

Terms

97 - 144 months

Minimum Loan Amount

$7,500

APR*

As low as 5.74%

Estimated monthly payment per $1,000

$9.62 (at 144 months)

Terms

145 - 240 months

Minimum Loan Amount

$15,000

APR*

As low as 7.24%

Estimated monthly payment per $1,000

$7.90 (at 240 months)

Calculate a Loan Payment

We Work Directly With Over 100 Solar Contractors

Contractor Network

Our preferred solar partners are able to offer their customers streamlined financing, competitive rates and flexible loan terms. Ask your solar contractor to join our network today!

Interested in Becoming a Preferred Partner?

We’re looking for partners who share our commitment for healthy communities, local economic vitality and preserving the natural environment. Preferred partners enjoy our:

  • Streamlined application process
  • Dedicated solar staff
  • 24/7 automated underwriting
  • Progress payment options

Already a Preferred Partner?

We want to help you grow your business by providing low-cost solar and energy efficiency financing to your valued customers. Check out the partnership for success section.

Make Your Loan Payments Online

We make it super easy for you to pay your solar loan online. Say goodbye to paper statements and envelopes, and say hello to online convenience. With this option, you can make loan payments from an external account or credit card. You can also set up recurring payments!

For payments from a Wheelhouse account, simply log into Digital Banking and choose the transfer function or ‘Pay Loan’ from the Dashboard.

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