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Cash, loan, lease or subscription
Four ways to get solar, side by side over 25 years. The winner depends on your credit, your horizon and how much risk you want to carry.
| No solar | Cash purchase | Loan | Lease / PPA | Subscription | |
|---|---|---|---|---|---|
| Upfront | — | — | — | — | — |
| Year-1 monthly payment | — | — | — | — | — |
| Total paid over 25 years | — | — | — | — | — |
| System owner | — | You | You (with debt) | Third party | Third party |
| Requires credit | — | No | Yes | Yes | Soft check (Central) |
| Exit | — | Sell with the system | Pay off or transfer the debt | Transfer or buyout | End of term (Central) or from year 3 (statewide) |
Subscription is modeled as the Central Florida program: today’s bill minus the contractually guaranteed savings, renewed every 3- or 5-year term. The statewide program (10 years, 1.9% annual increase, estimated savings) is not modeled here: we run it for you in the diagnosis; beyond the term the figures are illustrative. Lease is modeled with a monthly payment and escalator; cash and loan pay only the utility minimum charge. No column includes maintenance, inverter replacement or usage changes.
Illustrative estimate, not a proposal. Real numbers depend on your roof, your month-by-month usage, your utility and the installer. The diagnosis uses your 12 real bills.
Free · No pressure · 15 minutes
What about your home?
We look at the real numbers of your home and tell you what makes sense, and what doesn’t. You leave the conversation knowing what to do, whether you move forward or not.