Tech & Energy
Solar Loan vs Cash Calculator
Cash buyers maximize ROI. Loans accelerate adoption with lower upfront cost. Leases and PPAs are usually the worst deal.
Cash 25-yr net
—
- Loan 25-yr net
- —
- Loan monthly
- —
- Net cost diff
- —
FAQ
Should I take a solar loan? +
If your APR is below 5%, often yes — solar payments replace utility bills. Above 7%, you pay extra for the privilege.
Avoid PPAs? +
PPAs typically lock in 3-4% annual escalators with no ownership. Math rarely works out for the homeowner.