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Flexible Financing for Home Solar
As electricity rates continue to rise, going solar is a smart way to lock in long-term energy savings and take control of your utility costs.
GreenSpark Solar offers a way for everyone to go solar with financing options that support different lifestyles and financial goals.
Request a Proposal
Complete the form to request a proposal and discuss our financing options.
Guaranteed solar savings + Smart financing solutions
Now Everyone Can Go Solar
GreenSpark Solar offers a way for everyone to pay for a home solar energy system. Each of our residential solar financing options allows you to reduce your electricity bills and secure energy savings for years to come.
Whether you want to maximize long-term savings or lock-in predictable energy costs with no upfront investment, we’ll help you choose the solar financing solution that best fits your goals.
PowerPath
Prepaid Lease
$0 Down Lease
$0 Down Loan
Cash Investment
Up to 30% off the total cost of your system
Low monthly payments + minimal responsibility
Low monthly payments + minimal responsibility
Immediate ownership with strong returns
Lower Electricity Bills
No Upfront Costs
System Ownership
(Optional after 5 years)
(Based on loan terms)
(Immediately)
Up to 30% Off
Monthly Payments
(Predictable, fixed rate)
(Predictable, fixed rate)
Maintenance
(5 years included)
(Included for 25-year term)
(5 years included)
(5 years included)
Residential Solar Financing Options
PowerPath
Our lowest-cost path to solar, offering up to 30% off your total cost, instantly, with flexible options for future ownership.
Up to 30% Off Solar, Instantly
The residential solar tax credit may be gone, but through third-party ownership (TPO), you can still benefit!
Through our partnership with Amicus Impact, your system is initially owned by a mission-driven cooperative for the first 5 years, while you receive all energy savings from day one. Because the cooperative can access the commercial solar incentive, that value is passed directly to you through a reduced upfront cost (about 30%).
Unlike many traditional leases, this program was intentionally designed to prioritize flexibility, transparency, and long-term homeowner value. After the required ownership period, you’ll have the opportunity to purchase the system and continue generating your own power for decades to come.
Why choose the PowerPath?
This option is especially attractive for homeowners who:
- Want a lower overall system cost
- Prefer to avoid loans or monthly financing payments
- Are considering solar ownership
- Value predictable energy savings with fewer financing complications
$0 Down Solar Lease
A simple, transparent way to gain immediate solar savings benefits, with minimal responsibility and no upfront investment.
Immediate savings with $0 down
Pay nothing upfront, and then a low fixed rate for the energy your solar array produces each month (at a lower kWh rate than your current utility bill). That means you can start lowering your electricity costs from day one without taking out a loan or making a large upfront payment.
Because the system is owned and maintained by the leasing provider, monitoring, maintenance, and system performance oversight are included throughout the 25-year lease term — creating a more hands-off solar experience for homeowners.
How is this different than a traditional solar lease?
Unlike traditional leases, GreenSpark’s lease option is a simple, transparent path to solar savings offering:
- No escalating rate: the rate you pay per kWh on day one is the rate you'll pay in year 25.
- Guaranteed production: this lease comes with a production guarantee, or you're paid the difference.
- Flexibility for wherever life takes you: rest assured with flexible buyout, removal, or transfer options.
$0 Down Solar Loan
A structured path to solar ownership that allows you to spread out your costs over time through low monthly payments.
How our solar loan works:
Instead of paying for your system all at once, you finance the project through a lending partner (either GreenSpark’s financing partners, or your own) and pay it back over a fixed term — similar to other home improvement financing.
In many cases, monthly loan payments can be structured to align closely with current utility costs, helping homeowners transition from paying for electricity to investing in their own energy production over time without the burden of a large upfront investment.
Because you own the system, you receive the long-term financial benefits that come with ownership, including the New York State tax incentive, increased energy savings over time, and added home value.
When is a solar loan the best option for me?
Solar loans are often a strong fit for homeowners who:
- Prefer ownership over leasing
- Want to preserve cash while still going solar
- Are interested in pairing solar with battery storage or other electrification upgrades
- Value flexible financing terms and predictable payments
Cash Investment
The most direct path to solar ownership with one of the strongest long-term financial returns.
Solar Cash Purchase Benefits
With no financing payments or lender fees, every dollar your system saves on electricity goes directly back to you from day one. A cash purchase also provides the most immediate increase in your home’s value, and the greatest flexibility when it comes to long-term energy planning.
When a cash purchase can work for you:
A cash purchase may be ideal for homeowners who:
- Want to maximize long-term savings
- Prefer to avoid financing or interest payments
- Have available capital for home improvements
- Want immediate ownership and full control of their system
- Are focused on long-term energy independence
Solar that's right for your home, goals, and budget
Every home is different—and so is every homeowner. No matter which solar financing option you choose, you’re backed by:
- Guaranteed solar production. If your system produces less energy than promised, we pay you the difference.
- Local installation and service from qualified GreenSpark technicians
- Transparent pricing and clear agreements
- Ongoing support throughout the life of your system
Let’s design a solar solution that’s right for your home, your goals, and your budget.
Request a consultation
Fill out the form to request time with our team to discuss your solar financing options.
