Can you buy solar panels on finance?
Yes, you can buy solar panels on finance in the UK, spreading the cost over monthly payments typically from around £50 to £120 depending on system size and term. Options include unsecured personal loans, installer finance and 0% interest deals. Paying upfront is cheapest overall, but finance lets the energy savings help cover the repayments from day one.
The main ways to pay
- Upfront: lowest total cost, fastest payback, no interest.
- Installer finance: convenient, sometimes 0% over shorter terms, often higher over longer terms.
- Personal loan: shop around for the best APR; may beat installer rates.
- Green home loans or remortgaging: low rates but secured against your home.
Does finance make solar worth it?
Solar still makes sense on finance if the annual saving is close to or above the yearly repayments, which is common with 0% or low-rate deals. On higher-interest finance, the interest can erode the return, so always compare the total amount repayable against paying upfront. Run your likely saving through the SunSum calculator first, then weigh the monthly cost against it.
Frequently asked questions
- Is 0% finance for solar panels real?
- Yes, some installers offer genuine 0% deals over set terms. Check the total repayable and whether the cash price is the same as the finance price.
- Can I pay off solar finance early?
- Usually yes. Check for early repayment charges before signing, particularly on longer-term agreements.
Related questions
Indicative estimates based on UK average data. Last updated 27 May 2026.