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You are here: Home > Learning Center > Energy Finance > Green Loans

Solar Loans: Go Solar - NO Upfront Cost

You can get a solar loan and pay nothing upfront for your home solar panels. Free Clean Solar has partnered with SunTrust Bank Lightstream for get the best rates on a solar loan.

Lock in savings with a low fixed monthly payment. Own your solar panel system to take advantage of tax credits and rebates. Best of all, the Solar Loan is like having a blank check to get the solar panel system you need.

A Solar Loan features:

  • Borrow up to $100,000, no equity required
  • Competitive rates as low as 3.99%
  • Flexible terms and easy monthly payments
  • No hidden fees
  • Pay-down the loan with tax credits, rebates
  • No pre-payment penalty
  • Get cash in 14 days or less

There is no obligation. The online application takes just 5 minutes; it's completely confidential and secure.

To learn more about green solar loans, click here for a
SunTrust Bank LightStream Solar Loan


Save on Electricity Every Month


Save with Solar Loan

For a typical 3-bedroom home with a current electricity bill of $200 per month, we might recommend a medium sized 5 kW solar system.

Your new solar system will generate enough electricity to offset what you are currently paying to the utility company from $200 to as low as $30 per month.

Your Solar Loan payment would be $0 upfront and $120 per month. So you could actually save $50 per month from the first month. Once the loan is paid, you’ll enjoy free solar electricity for 25 years or more!


WANT A SOLAR PANEL SYSTEM AT THE LOWEST COST? Start Solar Design


About SunTrust Bank's LightStream Solar Loan

LightStream is the national online consumer lending division of SunTrust Bank, one of the nation’s leading financial services companies. LightStream delivers a revolutionary loan process that allows customers to focus on their purchase, rather than their financing. With innovative lending products and proprietary technology, consumers with strong credit profiles can receive highly competitive, fixed rate solar panel financing via an easy, fast and entirely paperless loan experience. From the convenience and comfort of their computer or mobile device, customers can apply, be approved, sign their loan agreement and receive their funds, as soon as the same day of their application.

LightStream is a tradename utilized by SunTrust Bank, a Georgia banking corporation with its principal place of business at 303 Peachtree Street, NE, Atlanta, Georgia 30308. SunTrust conducts certain business activities using the LightStream tradename in Arizona, Arkansas, California, Colorado, Delaware, Florida, Georgia, Idaho, Indiana, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nevada, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia and Wyoming. SunTrust conducts these activities in the name of SunTrust Bank in Alabama, Alaska, Connecticut, Washington DC, Hawaii, Illinois, Iowa, Kansas, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Dakota, Rhode Island, South Carolina, South Dakota and Wisconsin.

Other Popular Solar Financing Options

In addition to solar loans, there are several solar financing and incentive options to be aware of when thinking about going solar. Net Metering will let you earn credits from your utility for excess power, while a Feed-In Tariff (FIT) involves earning revenue for your excess solar power. Some states have market-based auction programs called SRECs Solar Renewable Energy Credits where power credit can be sold to institutions.

Other popular options to pay for solar panels is a Solar Lease in which you lease the equipment for a long-term. You can also consider a Solar Power Purchase Agreement (PPA) where you only pay for the solar power, locking in your electricity rate over time.

However, you will get the biggest financial gain by owning your solar system. If you don't want to pay cash, then contact your bank about Solar Home Equity for the best rates. Another great way to pay for your solar panels is a solar home improvement loan, which is a government FHA-backed Title-1 Home Improvement Loan is designed for homeowners with or without equity. An innovative community financing program available in some areas is PACE Municipal Financing | Property Assessed Clean Energy. With PACE, you pay for your system over time, just like your property taxes. As part of your research, be sure to compare Solar Loan vs Solar Lease options before proceeding.


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