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Why Finance Your Solar?
Make the switch to solar energy without the large upfront investment. Our flexible finance options let you spread the cost over affordable monthly payments, so you can start saving on energy bills from day one. Many of our customers find their monthly electricity saving exceeds their finance repayment from year one.
No Upfront Cost
Start your solar journey without a large capital outlay. Spread the full installation cost over monthly payments that suit your budget.
Immediate Savings
Begin saving on your electricity bills from day one. Many customers find their monthly savings exceed their finance payment from the start.
Fixed Monthly Payments
Budget with confidence. Your monthly repayment is fixed for the full term at 10.9% APR representative — no variable rates or surprises.
Your Solar Financial Plan
Use the Finance Calculator to work out monthly payments, then switch to the Savings Projection for a full 25-year breakdown including SEG income and payback period.
Configure Your System
Adjust sliders to match your needs
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Your Estimate
Finance breakdown at 10.9% APR
Loan Breakdown
Monthly Payment
Loan Amount
Total Interest
Total Payable
Cost Comparison Over 25 Years
Potential saving
£24,478
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Representative example: Cash price £6,999.00, deposit £0.00, amount of credit £6,999.00, 120 monthly payments of £96.02, total amount payable £11,521.86, 10.9% APR Representative. 25-year comparison based on average UK electricity bill of £120/month. Actual savings depend on usage and tariff. Solar Maintenance Solutions Limited is an Introducer Appointed Representative (Financial Services Register No. 961927) of Phoenix Financial Consultants Limited (Phoenix). Phoenix is a credit broker, not a lender.
Grants & Government Incentives
Stack these incentives on top of your finance to maximise savings from day one. Our team will identify every scheme you qualify for as part of your free survey.
Smart Export Guarantee (SEG)
Up to 15p/kWhExport unused solar energy back to the grid and earn money for every unit. Octopus Outgoing currently pays 15p/kWh — adding hundreds per year to your savings.
ECO4 Scheme
Fully fundedLow-income households on qualifying benefits may receive fully funded solar and insulation through the Government ECO4 programme. We handle the entire application.
OZEV EV Charger Grant
Up to £350Pair your solar system with an OZEV-approved EV charger at a subsidised rate. Charge your electric vehicle for free using daytime solar generation.
VAT Reduction
0% VATSolar panels, battery storage, heat pumps, and EV chargers all qualify for 0% VAT until March 2027 — saving you up to 20% on the installation cost.
Finance Questions Answered
What APR do you offer on solar finance?
We offer 10.9% APR representative through Phoenix Financial Consultants. This is a fixed rate for the full term — your monthly payment will never change. A small number of customers with excellent credit profiles may qualify for lower rates.
How long can I spread the cost?
Finance terms range from 2 years (24 months) to 15 years (180 months). Longer terms reduce your monthly payment but increase the total interest. Most customers choose 7–10 years, where monthly savings often exceed the finance payment.
Can I make overpayments or pay off early?
Yes. Our finance is provided through Phoenix Financial, and early repayment is permitted. There may be a small early settlement fee — Phoenix will confirm this when you apply.
Is there a minimum or maximum loan amount?
The minimum loan amount is £3,000 and the maximum is £25,000. This covers systems from a small 4-panel top-up installation to a large 20-panel commercial system with battery storage.
Will finance affect my credit score?
A credit check is required as part of the application, which will leave a soft footprint initially. A full search (which appears on your credit file) is only conducted once you proceed to application.
Do I need to own my home to get solar finance?
You need to be the homeowner (or have the landlord's written permission) to install solar panels. Finance is available to homeowners who pass Phoenix Financial's credit assessment.
Ready to Get Started?
Book a free survey and we'll create a personalised finance plan with projected savings, SEG income, and payback period tailored to your home and energy usage.
MCS Certified
Microgeneration Certification
NICEIC Approved
Electrical Contractor
RECC Member
Renewable Energy Consumer Code
Tesla Powerwall
Certified Installer
EcoFlow Partner
Authorised Installer
Octopus Energy
Trusted Partner
Octopus Energy
Partner of the Year
TSI Approved
Trading Standards Institute
EPVS Registered
PV Scheme Member
IWA Member
Insulated Wall Association
MCS Certified
Microgeneration Certification
NICEIC Approved
Electrical Contractor
RECC Member
Renewable Energy Consumer Code
Tesla Powerwall
Certified Installer
EcoFlow Partner
Authorised Installer
Octopus Energy
Trusted Partner
Octopus Energy
Partner of the Year
TSI Approved
Trading Standards Institute
EPVS Registered
PV Scheme Member
IWA Member
Insulated Wall Association
MCS Certified
Microgeneration Certification
NICEIC Approved
Electrical Contractor
RECC Member
Renewable Energy Consumer Code
Tesla Powerwall
Certified Installer
EcoFlow Partner
Authorised Installer
Octopus Energy
Trusted Partner
Octopus Energy
Partner of the Year
TSI Approved
Trading Standards Institute
EPVS Registered
PV Scheme Member
IWA Member
Insulated Wall Association