Solar Loan Options
Flexible solar financing for every homeowner
Empower your customers to go solar with confidence.
Offer Your Customers Flexible Solar Financing and Close More Sales with Clean Energy Credit Union.
Provide your clients with multiple affordable solar loan options designed to make clean energy accessible and stress-free. Our financing allows homeowners to fund up to 100% of their project costs—from panels and equipment to installation fees—ensuring they can move forward with high-value projects without upfront stress. Use our diverse loan products as a key competitive advantage.
Below is a quick reference guide to our three available solar loan products.
Our Everyday Solar Loan is designed for homeowners who want an easy, transparent financing option. It offers 60 days of no payments and no interest, giving borrowers time to start saving on their utility bills before regular payments begin.
After the 60-day grace period, the loan is repaid in equal monthly installments at a fixed interest rate, so payments stay consistent over time. There are no hidden fees or surprises, and no prepayment penalties.
- 100% financing and no money down
- Fixed-rate payments
- 12-, 15-, or 20-year terms
- 60 days of no payments and no interest
- No prepayment penalties
Many homeowners are currently sitting on high-interest solar loans or want to add upgrades (like battery storage or more panels) but don’t want the hassle of multiple monthly payments. Our new Solar Refinance Program allows them to:
- Lower Monthly Payments: Transition from high-interest third-party loans to our competitive, mission-driven rates.
- Bundle & Expand: Homeowners can roll the cost of new equipment—such as battery storage, EV chargers, or panel expansions—into one simple, low-interest monthly payment.
- No Prepayment Penalties: Unlike many traditional solar lenders, we encourage members to pay down their balance faster if they choose.
The customers system should be under 10 years old and must include the original borrowers on the loan. They will also need to have had 6 consecutive on time loan payments preceding refinance.
- Minimum Balance: $10,000
- Loan Amounts: Up to $150,000
- Flexible Terms: 12, 15, 20-year terms.
Current Solar Rates
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Loan Type |
Min/Max Loan Amount |
Term |
APR9 as low as |
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1 The combined amounts of a short-term and long-term loan cannot exceed 100% of the project cost. The short-term loan amount is typically 30% of the project cost, and the long-term loan amount is typically for the remaining balance (70% ). In certain instances, the member may choose to go above 30% for the short-term loan or 70% for long-term loans. See “loan fees” tab for associated fees. |
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Loan Type Short-Term Solar Electric System Loan (i.e. Solar Tax Credit Loan) |
Min/Max Loan Amount $3,000 to $150,000 (When part of a Combo Loan, typically 30% Loan-to-Value1) |
Term 12 or 18 months |
APR9 as low as 7.50% 2 3 4 5 6 7 |
|
Loan Type Single, Everyday, or Long-Term Solar Electric System Loan |
Min/Max Loan Amount $3,000 to $150,000 (When part of a Combo Loan, typically 70% Loan-to-Value1) |
Term 12 years |
APR9 as low as 7.50% 3 4 5 6 7 8 |
|
Loan Type Single, Everyday, or Long-Term Solar Electric System Loan |
Min/Max Loan Amount $3,000 to $150,000 (When part of a Combo Loan, typically 70% Loan-to-Value1) |
Term 15 years |
APR9 as low as 8.00% 3 4 5 6 7 8 |
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Loan Type Single, Everyday, or Long-Term Solar Electric System Loan |
Min/Max Loan Amount $3,000 to $150,000 (When part of a Combo Loan, typically 70% Loan-to-Value1) |
Term 20 years |
APR9 as low as 8.25% 3 4 5 6 7 8 |