Solar Financing Options for California Homeowners
Compare paying cash, $0 down financing, and a prepaid agreement, then pick what fits your budget.
You have three clear ways to pay for solar with Green Conception: pay cash and own the system outright, finance with $0 down and 100 percent financing, or use a prepaid Energy Service Agreement through Propel. Each has a different tradeoff between upfront cost, monthly payment and long-term savings. This page explains all three so you can choose before your free assessment.
Your Three Ways to Pay
| Option | Upfront cost | Best for |
|---|---|---|
| Cash | Full system price | Lowest lifetime cost and full ownership |
| $0 Down Financing | Nothing upfront | Keeping cash on hand with a low monthly payment |
| Prepaid ESA with Propel | Varies by agreement | A predictable arrangement without owning the hardware |
What Each Option Means for You
Cash Purchase
Pay in full and own your system with the lowest total cost over its life. No monthly payment and the largest long-term savings.
$0 Down Financing
100 percent financing with no upfront cost. Your monthly payment is often lower than your current electricity bill, so you can start saving right away.
Prepaid ESA with Propel
A prepaid Energy Service Agreement through Propel. Ask your energy advisor about terms during the free assessment.
No Upfront Cost
With financing you can begin without a down payment, which is why many California homeowners start here.
Fixed Monthly Cost
A solar payment is fixed, unlike utility rates that have risen for years, so your cost is predictable.
One Team, One Warranty
However you pay, you get one licensed team for solar, battery, EV and roofing under CSLB #964965.
Where to Find Solar Companies With Financing Options
Many California homeowners search for solar companies that offer financing because paying cash is not always practical. Green Conception offers $0 down with 100 percent financing available in-house, so you do not have to arrange a separate loan or shop multiple lenders. You see the financed monthly figure alongside the cash price during your assessment, and in our instant quote tool, so you can compare directly.
A note on the federal tax credit: the 30 percent federal residential solar credit ended December 31, 2025, so 2026 financing calculations should not assume that credit. Our numbers reflect real cost.
How Financing Affects Your Monthly Numbers
With $0 down financing, your new solar payment replaces most or all of your electric bill. If your system offsets most of your usage, the combination of a smaller utility bill plus a fixed solar payment is often less than what you were paying the utility alone. Because the payment is fixed and utility rates tend to rise, the gap in your favor usually grows over time. Your energy advisor confirms every number before you commit.
Compare Your Financing Options
Get a free assessment with cash, financing and prepaid figures side by side for your home.