Solar Loan Calculator
See what a solar loan could save you.
Move the sliders. Compare. See how a solar loan stacks up.
Own solar without paying upfront — the solar loan explained.
Swap your energy bill for a simple monthly repayment, and let the cash credits from your own solar help offset what you pay.
How a solar loan works
- Choose your system size and warranty.
- Apply for finance through our independent loan partner.
- Pay predictable monthly repayments.
- Once the loan is paid off, you own the solar outright for the rest of its lifetime — the repayments stop, the credits keep coming.
Why people choose the loan
- No large upfront cost
- Fixed repayments you can budget for
- You own real solar from the start, not a subscription
- You can still choose to buy outright at any time
How much your credits offset depends on your system size and energy use — we never promise they will fully cover your repayments.
Your numbers
Adjust the sliders to match your situation.
Quarterly energy bill$500
$150$1,500
Interest rate5.0%
520
Loan term7 years
130
$23,500
Auto-calculated from your bill. Read-only.
Estimated 25-year net savings
$22,100
vs. paying energy bills for 25 years with no solar.
$50,000
Cost of energy if you don't (25 yrs)
15.3 kW
System size
$884
Average yearly saving
$102
Post-loan monthly profit
$332
Monthly payment
$4,400
Total interest
$27,900
Total loan repayment
153
SolarCloud solar panels
Cumulative net saving over 25 years
The gap between what energy would cost you and what the loan costs.
Loan cost vs energy avoided
Across the full 25-year window.
Prefer the loan route?
Tell us a little about you and our independent loan partner will be in touch. SolarCloud does not provide loans directly.