Solar Loan vs. Solar Lease (2026 Comparison)

Compare solar loans and solar leases to find the best financing option for your home solar installation.

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Solar Loan vs. Solar Lease: Side-by-Side Comparison

FactorSolar LoanSolar LeaseWinner
System OwnershipYou own *Company ownsSolar Loan
Tax Credit EligibilityYes (30% ITC) *NoSolar Loan
Upfront Cost$0 down available$0 downTie
Monthly Payment$100-$200$50-$150 *Solar Lease
Total 20-Year Savings$20K-$40K *$10K-$20KSolar Loan
MaintenanceOwner responsibilityCompany handles *Solar Lease
Home Sale ImpactAdds value *Transfer requiredSolar 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.

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$0 down options available. Own your system and claim the 30% federal tax credit.

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Frequently Asked Questions

Solar loans are better for maximizing savings since you own the system and claim the federal tax credit. Leases are better if you want zero maintenance responsibility.
Yes, but the lease must be transferred to the new buyer, which can complicate the sale process.
Most solar loans require a credit score of 600-680+, though some lenders offer options for lower scores at higher interest rates.

Get Started with Solar

ProviderTypeHighlightRatingAction
EnergySageMarketplaceCompare installer quotes free4.8/5Get Quotes
SunrunInstaller$0 down solar lease/loan4.5/5View Plans
SunPowerPremiumHighest efficiency panels4.6/5Get Quote

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SolarSavingsAI Research Team

Solar Energy Analysts

Our team analyzes solar incentive data from federal (DOE, IRS), state (DSIRE), and utility sources to provide accurate savings estimates. Data is reviewed quarterly and cross-referenced with NREL benchmarks.

Sources: DOE, IRS, DSIRE, NREL, EIA Updated: 2026 Full Methodology Editorial Standards

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