Affordable Solar Electricity

A home solar system can help lower your electric bill – without a large upfront cost. Choose the financing that’s right for you.

Electric meters

Spruce Power

Lease a rooftop solar photovoltaic (PV) system with fixed monthly payments. Or purchase the power the system produces each month, the same way you pay your utility. Either way, you get free monitoring, maintenance, and insurance, as well as strong consumer protections.

Contractors installing solar panels

Spruce Loans

This financing is great if you prefer to own the solar PV system. Our homeowner loans offer attractive, flexible terms and strong consumer protections.

Which Option Is Right For Me?

There’s no one right finance product for every homeowner. All our products can help you save money on your electric bills.


Own the System Lease the System Purchase the Power
Own System
Fixed payments
Monitoring, maintenance
Contract Length 12-20 years 20 years 20 years

Solar Financing Availability

We serve dozens of states around the U.S. and are continually evaluating new markets for residential solar financing.

productmap
solar-and-efficiency-crosshatch-colors

Solar and Efficiency Products

Generation & Solar Lending

Efficiency Product

Thank you for your interest in Spruce financing

Our financing is available through a national network of channel partners. Please ask if your local contractor offers Spruce financing: if they don’t, they may apply to be an approved partner.

For Partners

Join Our Network

×