Financing
Flexible Solar Financing
Make solar affordable with zero-down options, competitive rates, and flexible terms. Start saving from day one with financing designed for your budget.
Choose the Right Financing for You
Every homeowner and business has unique needs. We offer multiple financing paths to make solar accessible and affordable.
Solar Loans
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. You keep every state and local incentive you qualify for.
- Take advantage of state incentives
- Flexible 10, 20, or 25-year terms
- Fixed monthly payments
Best For:
Homeowners who want ownership without paying upfront — and want to keep every state and local incentive
Cash Purchase
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
- Typically 9-12 year payback in 2026
Best For:
Homeowners with available cash who want the highest lifetime savings
Power Purchase Agreement
Go solar with $0 down. A trusted third-party owner installs and maintains the system; you pay only for the clean power your roof produces, at a rate locked below your utility bill.
- $0 upfront cost
- Locked rate below your utility from day one
- 25 years of maintenance, monitoring, and insurance included
- Available in Washington DC and Maryland
Best For:
Homeowners who want solar with zero upfront cost and zero responsibility — especially if you can’t use solar tax credits
Our Trusted Lending Partners
We’ve partnered with leading solar financing companies to bring you the best rates and terms available.
Climate First Bank
FDIC-insured B-Corp lender. Originates the Montgomery County Green Bank residential solar program — qualifying homeowners can lock in rates as low as 0%.
- 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)
Sungage Financial
15-year residential solar lender (loans originated through Hatch Bank, a California-chartered industrial bank).
- Lower monthly payments
- Flexible qualification criteria
- Solar, battery, and roof financing
- Exceptional customer service
Compare Financing Options
A clear look at the tradeoffs across all three paths so you can decide what fits.
| Feature | Solar Loan | Cash Purchase | PPA / Lease (DC + MD) |
|---|---|---|---|
| Upfront Cost | $0 down available | Full payment | $0 |
| Ownership | You own it | You own it | Partner owns it |
| Federal Incentives | Residential credit ended Dec 31, 2025 | Residential credit ended Dec 31, 2025 | Third-party owner claims commercial credit, passed to you in lower payments |
| State Incentives | ✓ You receive all | ✓ You receive all | Partner receives them |
| Maintenance | Your responsibility | Your responsibility | ✓ Included |
| Long-term Savings | High | Highest (when you have the cash) | Predictable, lower than ownership |
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.
- Rates as low as 0% for homes in designated Equity Emphasis Areas — 0% interest for the first 10 years on a 30-year term
- 2.99% APR for the first 15 years on standard qualifying loans
- Household income limit: $163,900 (autopay required)
- Loan can include battery storage and roof replacement alongside the solar installation
- 30% of subsidy funds reserved for Equity Emphasis Area borrowers
How Solar Financing Works
A simple, straightforward process from application to installation.
Get Your Quote
Free site assessment and custom solar design with transparent pricing options.
Choose Financing
Review options side-by-side and select the path that fits your budget and goals.
Quick Approval
Fast application process with credit decisions typically in 1–2 business days.
Start Saving
Professional installation and immediate energy savings the day your system turns on.
Financing FAQs
Quick answers to the questions homeowners ask most about paying for solar.
Ready to Find Your Perfect Financing Option?
Get a free quote with personalized financing recommendations for your home or business.