SOLAR LOANS

San Diego's #1 Solar Financing Lender

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Please choose one of the following options:

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.

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Why Consider Solar

INCREASE THE VALUE OF YOUR HOMEInstalling solar adds significant value to your home and property, and can also offer tax benefits.

HELP THE ENVIRONMENTSolar energy is clean energy, decreasing dependence on fossil fuels and lowering your carbon footprint.

SAVE MONEY ON YOUR ELECTRIC BILLYour solar panels can reduce your electric bill to zero or near zero, and protects you against rising utility rates.

LAST CHANCE TO GET A 26% FEDERAL TAX CREDITWhen 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 26% of the total solar system cost has been extended to be available for systems in place before 12/31/2022. This percentage drastically decreases in 2023 and beyond. Please consult your tax advisor.

Find out more about the cost of solar

SELL YOUR EXTRA ENERGY WITH NET METERINGUse every kilowatt-hour 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.

Get additional information and resources at our new
Energy Efficient Resource Center

We Make Solar Easy

Streamlined Process

Streamlined Process
Local Financing

Local Financing
Expert Service

Expert Service
Payment Deferral Options

Payment Deferral Options

Streamlined Process

Flexible Terms
Local Financing

Extensive Network of Contractors
Expert Service

Low Rates
Payment Deferral Options

Easy Online Payments

Today’s Solar Loan Rates

Solar and Energy Efficient Loans

Terms	Maximum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	With Inspired Checking^t As low as	Estimated monthly payment per $1,000
* 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 August 1, 2022 and are subject to change without notice. + Payment may be deferred for up to 90 days from loan funding. Interest will accrue during the deferral period. Not all borrowers will qualify. ^t.25% Inspired Checking rate discount. Rate discount valid on new non-buy down and non-promotional rate solar loans. Limited to one solar discount on one solar loan product only. Setup and maintain automatic loan payment from your Inspired Checking account. Requires monthly direct deposit of $450 or more, an active online banking registration and eStatements within 90 days of account opening. Electronic deposits are defined as ACH or Automatic Clearing House deposits. If requirements are not met and maintained, account will be converted to a Basic Checking Account and the Inspired Checking loan rate discount will be removed. Offer valid on select solar and energy efficient loan types only. Energy Efficient Loans includes Water Conservation program. Product Details for Solar Product Details for Energy Efficient The CA. SB2, Atkins. Building Homes and Job Act imposes a fee of $75. UCC-1 filing is required.
Terms Up to 96 months	Maximum Loan Amount $80,000	APR* As low as 4.49%⁺	Estimated monthly payment per $1,000 $12.42	With Inspired Checking^t As low as 4.24%	Estimated monthly payment per $1,000 $12.30
Terms 97 - 144 months	Maximum Loan Amount $80,000	APR* As low as 5.49%⁺	Estimated monthly payment per $1,000 $9.50	With Inspired Checking^t As low as 5.24%	Estimated monthly payment per $1,000 $9.37
Terms 145 - 240 months	Maximum Loan Amount $80,000	APR* As low as 5.99%⁺	Estimated monthly payment per $1,000 $7.16	With Inspired Checking^t As low as 5.74%	Estimated monthly payment per $1,000 $7.02

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Work With Us

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 or call us for a list of approved contractors.

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

Become a partner

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.

Contractor Portal