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
- All 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 Washington 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.
Ethical solar financing with competitive rates and no dealer fees. Multiple term options from 10 to 30 years.
- Zero dealer fees (pass savings to you)
- No prepayment penalties
- Battery-only loans available
- Montgomery County Green Bank partner
Innovative solar financing with enhanced underwriting to help more homeowners go solar.
- 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 Tax Credit | ✓ You receive 30% | ✓ You receive 30% | 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 is proud to participate in the Montgomery County Green Bank program in partnership with Climate First Bank. This initiative provides favorable financing terms for qualifying Montgomery County residents, making solar even more affordable.
- Preferential rates for Montgomery County residents
- Supports local clean energy goals
- Streamlined approval process
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).