Understanding Solar Panel Financing: A Guide for Homeowners

Solar panel financing has arrived just as the UK moves towards a cleaner, greener future. More homeowners are recognising the value of solar energy, not just for the environment but also for their pockets. It’s the upfront cost of solar that puts a lot of people off.

That’s where Energy Advice Helpline steps in.

We provide clear, honest guidance and access to trusted solar panel financing options, making it easier than ever to invest in renewable energy, even if you don’t have cash up front. If you’re considering solar, but worried about cost, read on. This guide will help you understand your options and how we can help.

The time to go solar has never been better, with domestic solar installations rising by 22% in the first six months of 2025. View the government’s Solar Road Map.

What is Solar Panel Financing?

Solar panel financing allows you to break the installation cost into manageable monthly payments. It won’t be too long until you start seeing the benefits of solar.

Through the Energy Advice Helpline, we can connect you with options including:

• 0% Interest Finance: If you live in Scotland, you may be entitled to pay nothing upfront and avoid interest charges over the repayment term
• Low-interest Loans: Ideal for those who want longer terms and predictable monthly costs
• Unsecured Personal Loans: No collateral required; fixed terms and fixed repayments
• Energy Independence: Reduce your reliance on the grid with a solar and battery storage system.

We work directly with a panel of trusted, FCA-regulated lenders and reputable solar installers, so you’re in safe hands from start to finish.

Loans for Solar Installation

If you’re looking to finance your solar panels, it’s important to understand the types of loans available and how to qualify.

Am I Eligible?

Our partner lenders typically look at:

• Your credit history (but we work with lenders who consider a wide range of profiles)
• Proof of Income
• Property ownership

With our support, many UK homeowners, even those turned down elsewhere, can access solar financing for their situation.

Using a Solar Financing Calculator

Before committing to finance, it’s wise to understand the numbers. Our team can walk through your options using a solar financing calculator, which helps estimate:

• Total installation cost
• Monthly repayments
• Interest rates (if applicable)
• Long-term energy savings
• Break-even point

We’ll make sure you understand how much you’ll pay, how much you’ll save, and how soon you’ll start seeing a return.

The Benefits of Financing Solar Energy

Monthly Savings on Energy Bills

With electricity prices rising, solar panels can save you hundreds per year, helping your system pay for itself over time.

Access to Government Incentives

Even with finance, you remain eligible for schemes like:

• Smart Export Guarantee (SEG): get paid for energy you don’t use
• 0% VAT on installation: a major cost saving introduced in recent years

Environmental Impact

By switching to solar, the average UK household cuts 1 tonne of CO2 per year, all while making their home more energy-efficient and valuable.

Why Choose Energy Advice Helpline?

Going solar is a big investment, and we want to make it easy.

Our solar energy packages are a smart, affordable solution to cut your monthly costs, take control of your energy use, and even make money on the excess electricity you generate.

We’ve helped thousands of homeowners across the UK make informed, confident choices about solar energy, and we’re ready to help you too.

Get Started Today

For more information, visit our Solar Finance page:

You can also give us a call on 0800 802 1869

Solar energy is going to be the future; we’ll help you afford it now.