More Choices. Smarter Homes.

Improve your home with energy efficiency and solar financing.

THE RIGHT HOME IMPROVEMENT

We finance a variety of energy and efficiency upgrades that may help you cut your total utility costs and improve the comfort and value of your home.

Eligible improvements >

 

GET THE FINANCING YOU WANT

We offer multiple finance options so you can choose the one that works for you.

How it works
You own the system/improvement
Solar PPA
Pay Spruce for the energy the system produces.
Solar Loan
Get financing from Spruce to own the system.
PACE
Pay for eligible improvements through a new line item on your property bill.
Energy Efficiency Loan and RIC
Get financing from Spruce for energy efficiency improvements.

GREAT SERVICE AND BENEFITS

We’ll be with you for the entire length of your agreement. Homeowner benefits include:

Homeowner support

Autopay

Online billing

home sale icon

Home sale support

Strong consumer protection

Energy monitoring*

*Applies to Solar PPA and Lease products only

GET TO KNOW US

Founded in 2015 when Clean Power Finance and Kilowatt Financial merged, Spruce aims to be the best consumer finance company in the residential solar and energy efficiency markets. We’re with you for the long haul, which is why we have been a leader in consumer protection.

Learn more about us >

INTERESTED IN OUR FINANCING?

Our financing is only available through our contractor network. If your contractor isn’t already working with us, ask them to visit sprucefinance.com/contractors for more information.