Solar Financing
Buying outright, solar loans, leases and power purchase agreements – how each affects ownership, which incentives you can claim, and long-term cost.
Solar Loan vs Cash in New York: Which Is Actually Cheaper
Cash is almost always cheaper in total dollars. A loan is not cheaper — it buys you the use of money you keep. The gap widened…
Solar Financing5 min read
Solar Loan Prepayment Penalties in New York: What to Ask
Most solar loans sold in New York have no explicit prepayment penalty. The money that punishes an early payoff is somewhere else in the paperwork, and…
Solar Financing5 min read
Solar Loan Interest Rates in New York in 2026
A low advertised rate on a New York solar loan is usually bought with a fee inside the system price. One question separates the two, and…
Solar Financing5 min read
Refinancing a Solar Loan in New York: What to Check
Refinancing a solar loan can lower a payment, but it cannot recover a fee already spent — and for New York borrowers there is a 2026…
Solar Financing5 min read
Using a HELOC to Pay for Solar in New York
A home equity line separates two decisions a dealer-financed solar loan bundles together: what the system costs, and who lends you the money. That separation is…
Solar Financing5 min read
Zero Down Solar in New York: What It Really Means
Zero down describes what happens on the day you sign. It says nothing about what the system costs, who owns it, or which New York incentives…
Solar Financing5 min read
Solar PPA Escalator Clauses: What to Watch in New York
An escalator is the clause that raises your PPA rate every year for the whole term. It decides whether the agreement still makes sense in year…
Solar Financing5 min read
Buying Out a Solar Lease in New York
A buyout converts a payment stream into ownership. What decides whether it is worth doing is the contract clause you probably have not read yet.
Solar Financing5 min read
Solar Financing for Seniors in New York
Age is rarely what decides whether solar works for a retired New York household. State tax liability and how long you expect to own the house…
Solar Financing5 min read
The Solar Dealer Fee in New York, Explained
The advertised rate on a solar loan is rarely the price of the money. The fee that pays for it is usually sitting inside the system…
Solar Financing5 min read
NYSERDA Smart Energy Loan: What It Actually Requires
The Smart Energy Loan has three sets of requirements — the contractor, the borrower and the work — and only one of them is about you.
Solar Financing5 min read
The NYSERDA On-Bill Recovery Loan, Explained
New York offers two NYSERDA loans for solar. One is repaid on your electric bill and can follow the house when you sell — which cuts…
Solar Financing5 min read
Solar Electricity Plans in New York: Buy, Lease or Subscribe
Four genuinely different arrangements get sold as a “solar electricity plan”, and each changes who owns the panels, who claims which credit, and how your bill…
Solar Financing8 min read
Solar Loans in New York: How They Work
Most New Yorkers finance rather than buy outright. The difference between NYSERDA-backed lending, dealer loans and home equity borrowing sits in the fees and the security,…
Solar Financing8 min read
Lease vs Buy: Solar in New York Compared
The tax argument for buying rested on a federal credit that ended at the close of 2025. What remains is a straightforward comparison of ownership, escalators,…
Solar Financing8 min read
Power Purchase Agreements for New York Homeowners
A power purchase agreement sells electricity, not equipment. What the rate, the escalator and the assignment clause commit a New York household to over twenty years.
Solar Financing8 min read
$0-Down Solar in New York: Reading the Fine Print
Zero down describes the first payment, not the price. The four structures behind $0-down solar offers in New York, and what each one attaches to the…
Solar Financing8 min read
Not sure which programmes apply to you?
Eligibility in New York depends on your utility, your roof and whether you buy, finance or subscribe. Put the system size and price an installer quotes you into the estimator and see the rebate and the state credit on one scale.