Save 35% or more on your solar system. $0 Down & Day-1 Savings →

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Go Solar

Solar financing

Go Solar for $0 Down.
Pay Less Than Your Electric Bill

SolarTech offers loan, lease, PPA, and cash purchase options. We’ll match you with the best financing for your situation.

Compare Financing Options
Estimate Costs and Savings

Get Your Personalized Solar Plan

We will help you choose the best solar plan for you. No obligation.

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  • Free, no pressure consultation
  • No credit check
  • Response in 24hrs
  • Serving homeowners since 2001

Solar financing

Go Solar for $0 Down.
Pay Less Than Your Electric Bill

SolarTech offers loan, lease, PPA, and cash purchase options. We’ll match you with the best financing for your situation.

Get Your Personalized Solar Plan

We will help you choose the best solar plan for you. No obligation.

"*" indicates required fields

This field is for validation purposes and should be left unchanged.
  • Free, no pressure consultation
  • No credit check
  • Response in 24hrs
  • Serving homeowners since 2001
Compare Financing Options
Estimate Costs and Savings

Choose Your Solar Path

Every home is different. We offer multiple ways to go solar — pick the one that fits your budget and goals.

Solar Loan

$0 Down · Own your system

  • $0 down with competitive rates
  • Own your system from day one
  • Payments often lower than electric bill
  • Increases home value 4%+
  • Flexible 10–25 year terms
  • 100% installed and serviced by SolarTech
  • No longer eligible for 30% Tax Credit

Lowest Cost/Highest ROI

Prepaid Solar Lease/PPA

30%+ OFF · Own your system

  • Options to pay upfront or monthly payment
  • Monthly payment lower than your utility bill
  • Captialize on savings from tax credits
  • Ownership transfers to you after six years
  • 100% installed and serviced by SolarTech
  • Third party handles the tax credit for you
  • Protected by equipment and performance warranties

Solar Lease / PPA

$0 Down · $0 Maintenance

  • $0 down, $0 upfront costs
  • Fixed monthly payments for day one savings
  • Monthly payment lower than your utility bill
  • SolarTech handles all maintenance
  • Transferable if you sell your home
  • 100% installed and serviced by SolarTech
  • Captialize on savings from tax credits
  • 25-year production guarantee
  • Battery replacement coverage included

Cash options are also available: SolarTech offers the best pricing on cash purchases. No monthly payments, no interest, just long-term returns.

Get My Personalized Solar Plan
Get My Personalized Solar Plan

A Solar Partner You Can Trust for the Long Term

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Years In Business

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Projects Completed

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5-Star Reviews and Testimonials

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In-House Service Team

0 -Year

Warranties

solar panel financing,solar loans,solar financing options,solar panel payment plans,solar leasing
solar panel financing,solar loans,solar financing options,solar panel payment plans,solar leasing
solar panel financing,solar loans,solar financing options,solar panel payment plans,solar leasing
solar panel financing,solar loans,solar financing options,solar panel payment plans,solar leasing
solar panel financing,solar loans,solar financing options,solar panel payment plans,solar leasing

Side-by-Side Comparison

See how each financing option stacks up across the things that matter most.

Loan Prepaid PPA Solar Lease / PPA
Upfront Cost ✓ $0 down ✓ One prepaid amount: 30–40% effective cost reduction ✓ $0 down
System Ownership ✓ You own it Transfers to you after 6 years SolarTech/partner
Monthly Payments Fixed, often less than utility bill ✓ None Fixed, lower than utility
Home Value Impact ✓ Increases 4%+ ✓ Full value once you own it Minimal
Maintenance Covered by warranty ✓ SolarTech handles it (during term) ✓ SolarTech handles it
Credit Needed? 650+ 650+ (flexible structures available) 650+ (or no FICO options)
Sell Your Home? Pay off or transfer loan Transfer or simple buyout option Transfers to buyer
Battery Add-On? ✓ Yes (battery-only too) ✓ Yes Varies
Long-Term Savings ✓ High ✓ Very High Moderate
Best For Most homeowners ✓ Maximum savings + delayed ownership strategy Hands-off, zero risk
Get My Personalized Solar Plan

Calculate Your Solar Costs & Savings

Find out how much solar panels cost for your home, and how much you can get with 25-year of savings in under 60 seconds. 

solar panel financing,solar loans,solar financing options,solar panel payment plans,solar leasing
Analyzing your roof's solar potential...
Using satellite imagery and local solar data

Find your roof

Your info stays private
solar panel financing,solar loans,solar financing options,solar panel payment plans,solar leasing

Enter your address to see your roof

Move the marker to the center of your roof

Improves estimate accuracy
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Select your utility provider

Helps match your rate plan
SDG&E
San Diego Gas & Electric
SCE
Southern California Edison
APS
Arizona Public Service
OTHER
Other Utility
Start with your monthly electric bill
$200
Drag the slider to match your monthly bill
$50 $800+
No credit card needed Takes 60 seconds 100% free

How much shade is on your roof during 10am-3pm?

Helps size your system right
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A little
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Select system type

No commitment required
solar panel financing,solar loans,solar financing options,solar panel payment plans,solar leasing
Solar
solar panel financing,solar loans,solar financing options,solar panel payment plans,solar leasing solar panel financing,solar loans,solar financing options,solar panel payment plans,solar leasing
Solar + Battery

Get your free estimate

Enter a 10-digit phone number for verification

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Keeps your results secure

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Your estimate is ready

Your actual savings could be even higher.

Schedule a 5-minute call or call us now to learn more.

Schedule a Call Call Now: (760) 765-4321
Free. No pressure. No obligation.

Your preliminary estimate

1543 Bitterroot Ct, San Marcos, CA 92069
System size:
2.8 kW
Number of panels:
7
Annual production:
4,809 kWh
25 year savings:
$40,865
Zero down monthly payment:
$49

Estimate breakdown

System cost (cash purchase)
Average system cost (before incentives)
$8,517 - $12,243
Payback period
5.4 years
Monthly electric bill savings
Current monthly bill before solar
$200
Estimated bill after solar
$89
Monthly bill savings
$111
Note: Monthly bill savings will increase as utility rates increase.
Total savings and return on investment (cash purchase)
Electric bill savings over 25 years
$40,865
Disclaimer: The numbers shown above are estimates only. Actual pricing, savings, and system specifications depend on site conditions, equipment selection, and utility rates. Contact a SolarTech advisor for a detailed, personalized quote.
Your local solar partner since 2001
25+ Years Local
Trusted in CA & AZ since 2001
End-to-End
Design to activation, one team
In-House Crews
Our teams, not subcontractors
Complete Solutions
Solar, battery, roofing & more
Ready to take the next step? Schedule a Call Call Now: (760) 765-4321

How It Works

Getting started with solar is simpler than you think. Here’s what to expect.

solar panel financing,solar loans,solar financing options,solar panel payment plans,solar leasing

1. Free Consultation

No-pressure review of your home and energy usage.

solar panel financing,solar loans,solar financing options,solar panel payment plans,solar leasing

2. Custom Design

We design a system tailored to your roof, usage, and budget.

solar panel financing,solar loans,solar financing options,solar panel payment plans,solar leasing

3. Financing Match

We align you with the best payment option from our trusted lending partners.

solar panel financing,solar loans,solar financing options,solar panel payment plans,solar leasing

4. Installation

Our in-house crew handles permits, installation, and utility connection.

Let’s Find the Right Solar Payment Plan for You

Free consultation. No obligation. Just clear answers from a team that’s been installing solar for over 25 years.

Get My Personalized Solar Plan
Get My Personalized Solar Plan

15,000+ homeowners have already made the switch.

  • 100% In-House Installation
  • 25-Year Solar Warranties
  • Serving Homeowners since 2001

Prefer To Talk? Give us a Call

(619) 743 9193

Confident in Your Options? Let’s Personalize Your Plan.

Join 15,000+ homeowners who switched to solar with SolarTech. We’ll walk you through every option.

Get My Personalized Solar Plan
solar panel financing,solar loans,solar financing options,solar panel payment plans,solar leasing

Frequently Asked Solar Finance Questions

Can’t find what you’re looking for? Our team of experts is here to assist with any questions you have about your solar journey.

Contact SolarTech Support

Phone

(619) 743 9193

Email

sales@solartechonline.com

SolarTech offers several financing options to make solar energy accessible. You can purchase your system outright with cash for maximum long-term savings, use a solar loan to own your system with little or no money down, or choose a solar lease/PPA where you pay a monthly fee for the power produced. Each option has different benefits – cash purchases provide the highest return on investment, loans balance affordability with ownership benefits, while leases require no maintenance responsibility. Our team will help determine which option best fits your financial situation and energy goals.

Solar loans from SolarTech allow you to own your solar system with little or no upfront cost. Typical loan terms range from 10-25 years with competitive interest rates between 2.99-5.99%. Monthly loan payments are often structured to be less than your pre-solar electric bill, creating immediate positive cash flow. As a SolarTech customer, you’ll retain ownership of your system and qualify for valuable tax incentives and rebates.

 

The main difference is ownership. When you buy solar panels (either with cash or through a loan), you own the system, and typically see greater long-term savings. With SolarTech’s leasing option, we own and maintain the system while you pay a monthly fee to use the electricity it produces. Leasing requires no upfront costs or maintenance responsibilities but provides less long-term savings and doesn’t qualify for tax incentives. Buying is generally better for homeowners planning to stay in their homes long-term, while leasing may benefit those who want solar with zero upfront investment.

SolarTech believes in transparent pricing. With solar loans, be aware of potential dealer fees (sometimes called finance charges) which typically range from 20-40% of the system cost and are incorporated into the loan principal. These fees help secure lower interest rates. Solar leases may include annual payment escalators of 1-3%. All financing options include our comprehensive warranty coverage. Before signing any agreement, our team will clearly explain all costs, including potential balloon payments tied to the federal tax credit, and provide a detailed comparison of your financing options so there are no surprises.

When you own your solar panels through cash purchase or a loan, they typically increase your home’s value – studies show homes with solar sell faster and for more money. If you have a remaining loan balance when selling, you can either pay it off from the sale proceeds or, in some cases, transfer it to the new homeowner. Solar leases can be more complicated – the new buyer must qualify to take over the lease agreement, which some buyers may be reluctant to do. SolarTech’s team can help facilitate this process if you decide to sell, providing all necessary documentation and support to ensure a smooth transition.