2026 Solar Financing — New Options After the ITC Expired
The federal residential tax credit ended in 2025. New financing structures — including the prepaid lease — now give homeowners access to lower total costs without needing a tax credit. We compare every option side-by-side in your proposal.
- Prepaid lease — no credit check, no lien, no monthly payments
- $0 down solar loans — own your system from day one
- PACE financing — payments on your property tax bill
- No hidden fees — full cost transparency
- All options modeled side-by-side in your proposal
Free Savings Analysis
No obligation. Same-day response in most cases.
With the federal residential solar tax credit gone after 2025, the financing landscape has shifted. New structures like the prepaid lease now pass commercial-scale incentive savings directly to homeowners — often resulting in a lower total cost than a traditional cash purchase. Palm Beach Solar presents all available financing options side-by-side in your proposal — prepaid lease, solar loan, PACE, lease, and PPA — with projected payments, estimated bill savings, and total cost of ownership for each. No pressure, no single-option pitch, no hidden fees. If you already have solar and are financing a roof replacement or repair, ask about the separate panel removal and reinstallation review so the roof and solar scopes can be coordinated before work begins.
What Sets Us Apart
Prepaid Lease (New for 2026)
A prepaid lease lets you pay one upfront amount — typically lower than the equivalent cash purchase price — and have no monthly payments for the full 25-year term. No credit check or FICO score required. No UCC lien on your property. The system is maintained by the lease provider. You can purchase the system at fair market value after year 6, and the lease transfers seamlessly to a new buyer if you sell your home.
Solar Loans ($0 Down)
Solar loans let you own your system from day one with $0 down. You make monthly loan payments, but your estimated bill savings typically offset most or all of the payment. You own the system and benefit from any property value increase.
PACE Financing
Property Assessed Clean Energy (PACE) financing is available in Palm Beach and Broward counties. Payments are added to your property tax bill — no separate monthly payment. No credit score requirement. The assessment transfers with the property if you sell.
Lease & PPA (Monthly Payment)
A traditional solar lease provides a fixed monthly payment for system use without ownership. A PPA charges per kWh produced at a rate typically lower than FPL's retail rate. Both options require no upfront cost and shift maintenance responsibility to the system owner.
Side-by-Side Comparison
Your Palm Beach Solar proposal includes a side-by-side comparison of all available financing options — prepaid lease, loan, PACE, lease, and PPA — with total cost, monthly payment (if any), estimated bill savings, and 25-year economics for each.
No Hidden Fees
We disclose all financing costs, dealer fees, and total system costs upfront. No surprise charges after signing. What you see in the proposal is what you pay.
How It Works
Free Analysis
We analyze your FPL bills, property, and financial goals to identify which financing options you qualify for — including the prepaid lease, solar loans, PACE, and lease/PPA.
Options Presented
Your proposal includes all available financing options side-by-side — prepaid lease, loan, PACE, lease, and PPA — with full cost and savings projections for each.
Select & Apply
You choose the option that best fits your goals. Your installer handles the financing application and approval process.
Install & Save
Your system is installed and activated. Your first bill savings arrive within 30–60 days of activation.
Frequently Asked Questions
A prepaid solar lease is a single upfront payment that covers the full 25-year lease term — no monthly payments after that. The lease provider owns and maintains the system, so you have no maintenance responsibility. No credit check or FICO score is required, and no UCC lien is placed on your property. The upfront cost is typically lower than buying the same system outright because the lease provider captures commercial-scale incentives and passes the savings through to you. You can purchase the system at fair market value after year 6, and the lease transfers seamlessly to a new homeowner if you sell.
Ready to See Your Savings?
Free savings analysis. No obligation. Same-day response in most cases.