Your Energy. Your Choice.

Solar financing offers an alternative to getting your electricity from traditional utility companies.


We have financing for homeowners across the credit spectrum, with options for no upfront costs.

Solar PACE

You own the system and make payments once every six months via a new line item on your property tax bill (or once a year if you pay your bill annually). Your payments are fixed based on the amount of the PACE assessment. Spruce PACE for solar is currently available in participating municipalities in California. Eligibility for PACE is based on your property debt ratio — there are no credit score requirements. You may be eligible for state and federal rebates and tax incentives.

Spruce PACE >

Solar Loan

You own the system and make fixed monthly payments that are based on the amount financed and APR. The Spruce Solar Loan is currently available in 24 states: AZ, CA, CO, CT, DE, FL, HI, LA, MA, MD, MN, MO, NJ, NH, NM, NV, NY, OR, PA, RI, TX, UT, VT, WA. You may be eligible for state and federal rebates and tax incentives.

Solar Loan >

Solar PPA

We own the system and claim any available rebates and tax incentives. You make monthly rate-based payments to us for the energy the system produces. Payments vary depending on the actual system production: if the system produces more energy in the summer than the winter, your monthly payments in the summer will be higher than in the winter. The Spruce Solar PPA is currently available in CA, CT, MA, NJ and NY.

Solar PPA >

we make going solar easy

We vet our channel partners’ workmanship, reputation and licensing to ensure you get a quality residential solar system. We also provide strong consumer protections and clear proposal and disclosure forms so you know what you’re getting with our solar financing. And we’ll be with you throughout the length of your agreement to help answer questions.


We offer solar financing in 24 states. Solar PACE financing is currently available in California.



financing from the experts

We’ve financed more than $1B in residential solar and energy efficiency improvements and currently serve nearly 70,000 homeowners. We finance home solar projects across 24 states.

interested in our financing?

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