Choose the Right Financing for You
Every homeowner and business has unique needs. We offer multiple financing paths to make solar accessible and affordable.
Own your system with affordable monthly payments and no money down.
- $0 down payment options available
- Competitive rates through trusted lenders
- You own the system and all incentives
- Take advantage of state incentives
- Flexible 10, 20, or 25-year terms
- Fixed monthly payments
Best For:
Homeowners who want to own their system and maximize long-term savings
Pay upfront for maximum savings and the fastest return on investment.
- Highest long-term savings
- No interest or financing fees
- Immediate ownership
- State and local incentives
- Fastest payback period (6-8 years)
Best For:
Homeowners with available capital seeking maximum ROI
Pay only for the solar power you use with no upfront costs or maintenance responsibilities.
- $0 upfront investment
- No maintenance costs
- Immediate electricity savings
- Fixed rate for 20-25 years
- Partner handles all repairs
- Available in DC
Best For:
DC homeowners who want solar with zero responsibility
Our Trusted Lending Partners
We've partnered with leading solar financing companies to bring you the best rates and terms available.
FDIC-insured B-Corp solar lender, originating loans for the Montgomery County Green Bank residential solar program. Term options of 10.5, 20.5, and 30.5 years; 7.47-8.00% APR with autopay (or 2.99% APR for the first 15 years on qualifying MCGB loans).
- No dealer fees (savings passed to you)
- No prepayment penalties
- Loan can include battery storage and roof replacement
- Originating lender for the MCGB program (administered by OneEthos)
15-year residential solar lender (loans originated through Hatch Bank, a California-chartered industrial bank). Launched the Sungage Sunrise loan in January 2026 with a 2.9% annual payment escalator, alongside the BrightStart program (October 2025) with a Deferred Payment Portion option.
- Lower monthly payments
- Flexible qualification criteria
- Solar, battery, and roof financing
- Exceptional customer service
Compare Financing Options
| Feature | Solar Loan | Cash Purchase | PPA (DC Only) |
|---|---|---|---|
| Upfront Cost | $0 down available | Full payment | $0 |
| Ownership | You own it | You own it | Partner owns it |
| Federal Incentives | ✓ You receive currently available credits | ✓ You receive currently available credits | Partner receives it |
| State Incentives | ✓ You receive all | ✓ You receive all | Partner receives them |
| Maintenance | Your responsibility | Your responsibility | ✓ Included |
| Long-term Savings | High | Highest | Moderate |
Montgomery County Green Bank Program
Special financing for Montgomery County, Maryland residents
Aduu Solar participates in the Montgomery County Green Bank (MCGB) residential solar loan program. MCGB provides interest-rate subsidies; Climate First Bank originates the loan; OneEthos administers the digital lending platform. The program was expanded with a new $4M subsidy pool in March 2026.
- 2.99% APR for the first 15 years on qualifying loans (4.032% APR over 20.5-yr term, 4.864% APR over 30.5-yr term blended)
- Total household income limit: $163,900 (autopay required)
- Loan can include battery storage and roof replacement as part of the solar installation
- 30% of subsidy funds reserved for borrowers in Equity Emphasis Areas
- Apply at climatefirstbank.com/apply/solar-loan-montgomery-county
How Solar Financing Works
Simple, straightforward process from application to installation
Get Your Quote
Free site assessment and custom solar design with pricing options
Choose Financing
Review options and select the financing that fits your budget
Quick Approval
Fast application process with decisions in 1-2 business days
Start Saving
Professional installation and immediate energy savings
Financing FAQs
Yes! We offer zero-down solar financing options through our lending partners including Climate First Bank and Sungage Financial. You can start saving from day one with no upfront costs.
Credit requirements vary by lender. Generally, a FICO score of 650+ qualifies for most programs, with better rates available for scores above 700. We work with multiple lenders to find the best option for your situation.
It depends on your goals and financial situation:
- Choose cash purchase for maximum lifetime savings and fastest ROI
- Choose solar loans for ownership with zero down and moderate monthly payments
- Choose PPA (DC only) for zero responsibility and immediate savings with no ownership
Our team provides personalized recommendations during your free consultation.
The Montgomery County Green Bank partners with Climate First Bank to offer special solar financing rates for qualifying Montgomery County, Maryland residents. This program provides favorable terms and supports local clean energy adoption. Contact us to see if you qualify for these exclusive benefits.
Yes! Our lending partners (Climate First Bank and Sungage) do not charge prepayment penalties. You can pay off your loan early at any time to save on interest without any fees.
No. Solar loans are typically unsecured personal loans that don't create a lien on your property. They won't affect your existing mortgage or your ability to sell your home. If you sell, you can either pay off the loan or transfer it to the new owner (with lender approval).