Home improvement · Solar installers and lenders
$0-down solar loan, lease or PPA (California)
Varies by system$0 at installation
California homeowners can install solar with nothing paid upfront through a $0-down loan (you own the system) or a lease or PPA (a company owns it). The federal homeowner solar tax credit ended after 2025, so compare total cost against a cash price.
- Term
- Loan, lease or power purchase agreement
- Available in
- California
- Last checked
- Oct 17, 2026
What you need
- Homeowner
- Approved credit
- Roof and shading review
Before you sign
- Leases and power purchase agreements often rise 1% to 3% a year; ask for the total over the contract.
- On a lease or PPA, the company keeps the incentives; on a loan, you do.
- Ask how a transfer works if you sell your home.
Offers change often and vary by credit and region. Confirm the final terms with Solar installers and lenders.