Solar financing San Diego
Solar & Battery Financing That Fits Your Budget
Explore $0-down financing with APR options ranging from 0% to 10% for qualified borrowers. SHS Power works with local credit unions, banks, and established financing providers to help homeowners find an option that fits their project and financial goals.
Financing is subject to credit approval. Available APRs, terms, fees, and loan amounts vary based on the lender, loan term, project type, and applicant's creditworthiness.
$0 Down Options
Qualified homeowners may be able to begin their project without a large upfront payment.
APR Options From 0%-10%
Available rates depend on the selected term, lender, project, and credit qualifications.
Multiple Financing Sources
We work with local credit unions, banks, and other established financing providers.
Solar and Battery Financing
Financing may be available for solar, battery storage, and qualifying electrical upgrades.
Choose the Right Balance Between Monthly Payment and Total Cost
There is no single financing option that is right for every homeowner. SHS Power helps you compare the APR, loan term, monthly payment, financed amount, and overall cost - not just the advertised payment.
Promotional Financing
Qualified borrowers may have access to promotional financing, including options as low as 0% APR. These programs may have shorter repayment periods or different project pricing, so it is important to compare the complete terms.
$0-Down Flexible Loans
Finance an eligible solar or battery project without a large upfront payment. Longer terms may provide a lower monthly payment, while shorter terms may reduce the total financing cost.
Local Credit Union and Bank Options
SHS Power works with local credit unions, banks, and financing providers to help customers evaluate multiple solutions. The actual loan is provided by the selected third-party lender.
HELOC and Home Equity Options
Some homeowners may choose to finance solar, battery storage, or electrical upgrades through a home equity line of credit or home equity loan from their bank or credit union. SHS Power can help compare how those options stack up against solar-specific financing.
Look Beyond the Monthly Payment
A low monthly payment does not always mean the lowest total cost. Before selecting a financing option, homeowners should understand:
Our goal is to help you understand the tradeoffs so you can make an informed decision.
We Watch for Predatory Lending Red Flags
Financing should help a homeowner move forward, not bury them in confusing terms or surprise costs. Predatory lending and misleading payment pitches are real in the home-improvement and solar industries, so SHS Power personally reviews the loan offers presented to our customers.
We look for the human details that can get missed when someone only focuses on the monthly payment: dealer fees, promotional-rate tradeoffs, total repayment, prepayment language, liens or UCC filings, and whether the financed price still makes sense compared with the cash price.
SHS Power is not the lender and does not make credit decisions. Our role is to help you slow down, understand the offer, ask better questions, and avoid funny business before you sign.
How Financing Fits Into Your Project
SHS Power keeps the project scope, cash price, and financing comparison clear before moving into installation.
Design Your System
SHS Power reviews your energy usage, property, equipment preferences, and project goals.
Review the Project Price
We provide a clear project scope and price before helping you evaluate financing.
Compare Available Options
Review available APRs, loan terms, monthly payments, and total financing costs.
Complete the Project
Once financing and project documents are approved, SHS Power handles permitting, installation, commissioning, inspection, and utility interconnection.
Why Finance Through SHS Power?
Frequently Asked Questions
Straight answers about solar financing San Diego homeowners often ask before comparing lenders.
Does SHS Power provide the loan?+
No. Financing is provided by third-party banks, credit unions, and financing companies. SHS Power is the contractor and does not make final lending or credit-approval decisions.
Is $0-down financing available?+
Yes, $0-down options may be available to qualified borrowers. Availability depends on the lender, project amount, loan program, and applicant's credit qualifications.
Who qualifies for 0% APR?+
Promotional 0% APR programs are generally limited to qualified borrowers and specific repayment terms. A 0% APR option may have a higher monthly payment or different project pricing, so customers should compare the complete cost.
Will checking my options affect my credit?+
This depends on the lender. Some providers may offer an initial soft credit inquiry, while a completed loan application may require a hard credit inquiry. The lender will explain this before the customer submits an application.
Can I pay the loan off early?+
Many programs allow early repayment, but the specific rules depend on the lender. Customers should confirm whether any prepayment penalty or minimum finance charge applies.
Does financing change the project price?+
It may. Certain financing programs can include lender, origination, promotional-rate, or dealer-related costs. SHS Power will help customers compare the cash price and financed project price when applicable.
Can I finance a battery without installing solar?+
Yes, financing may be available for battery-only projects, subject to project eligibility and lender approval.
What happens if I sell my home?+
The answer depends on the financing agreement. Some loans must be paid off during the sale, while others may have different transfer or payoff requirements. Customers should review these provisions before selecting a loan.
When will my payments begin?+
Payment timing varies by lender and financing program. The loan documents will identify when payments begin and whether payments are connected to installation or project-completion milestones.
Request financing options
Let's Find the Right Option for Your Project
Whether your priority is $0 down, the lowest possible APR, a manageable monthly payment, or paying the project off quickly, SHS Power can help you compare available options.
Call or text SHS Power at (619) 500-8255Compare APR, term, and total cost
Review monthly payment tradeoffs
Keep lender details separate and secure
Request Financing Options
Share a few project details and SHS Power will help you compare options. Do not enter Social Security numbers, dates of birth, bank information, or other sensitive lending details here.
Financing disclosure
Financing is provided by third-party lenders and is subject to credit approval. SHS Power is not a lender and does not make credit decisions. APRs, terms, fees, loan amounts, and program availability vary based on the lender, applicant qualifications, loan amount, project type, and selected term. $0-down and 0% APR options are available only to qualifying borrowers and may not be available for every project. Financing offers are subject to change before final approval. Customers should review all lender disclosures before signing.