Solar Loan vs. Solar Lease (2026 Comparison)
Compare solar loans and solar leases to find the best financing option for your home solar installation.
Affiliate link. We may earn a commission at no cost to you. Learn more.
Solar Loan vs. Solar Lease: Side-by-Side Comparison
| Factor | Solar Loan | Solar Lease | Winner |
|---|---|---|---|
| System Ownership | You own * | Company owns | Solar Loan |
| Tax Credit Eligibility | Yes (30% ITC) * | No | Solar Loan |
| Upfront Cost | $0 down available | $0 down | Tie |
| Monthly Payment | $100-$200 | $50-$150 * | Solar Lease |
| Total 20-Year Savings | $20K-$40K * | $10K-$20K | Solar Loan |
| Maintenance | Owner responsibility | Company handles * | Solar Lease |
| Home Sale Impact | Adds value * | Transfer required | Solar Loan |
* indicates the winning option for that factor.
Our Verdict
Solar loans offer greater savings and ownership benefits, while leases provide simplicity with lower risk.
Compare Free Solar Quotes for Your Area
Get personalized quotes from vetted solar installers. Compare prices, financing, and equipment side-by-side.
Affiliate disclosure: We may earn a commission when you request quotes through our partners. This does not affect our analysis or your cost. Learn more.
Explore Solar Financing for Your Home
$0 down options available. Own your system and claim the 30% federal tax credit.
Affiliate link. Disclosure.
Ready to Get Real Quotes for Your Area?
Your estimate shows strong savings potential. Get exact pricing from vetted installers.
We may earn a commission. This does not affect your cost. Disclosure.
Frequently Asked Questions
Get Started with Solar
| Provider | Type | Highlight | Rating | Action |
|---|---|---|---|---|
| EnergySage | Marketplace | Compare installer quotes free | 4.8/5 | Get Quotes |
| Sunrun | Installer | $0 down solar lease/loan | 4.5/5 | View Plans |
| SunPower | Premium | Highest efficiency panels | 4.6/5 | Get Quote |
Some links are affiliate links. Disclosure.
Get Your Free Solar Estimate
Ready to go solar? Enter your ZIP code to see your personalized savings estimate.