Solar and Batteries for EVERY Budget
You don’t have to pay the full cost of solar upfront.
Depending on where you live and how you choose to pay, you may be able to start with little or even $0 down, reduce the amount you pay upfront, spread the cost over time, or buy your system outright.
Compare Your Solar Payment Options
Solar incentives and rebates are often tied to approved contractors who meet specific licensing, certification, and program requirements. When you choose A&R Solar, you’re partnering with a utility approved solar contractor that’s been vetted by your utility.
⇔ Scroll horizontally to see more options
Financing
Prepaid Lease*
Solar Lease**
Cash
Upfront Cost
20-30% less than a comparable cash purchase
Little or potentially $0 down
Full system price
Monthly Solar Payment?
Yes
No
Yes
No
Ownership
You own the system
Third party owns it initially; ownership option begins in year 6.
Third party owns the system
You own the system immediately
Best if..
Low upfront cost + ownership
Lower upfront cost without monthly payments
Low upfront cost + monthly payments
Simple ownership, no financing
*- Indicates an option only available in Washington State
** - Indicates an option only available in Oregon State
‡ - Financing offers, rates, and terms shown on this website are for general informational purposes only. A&R Solar is not a lender. All financing is subject to credit approval and is made at the sole discretion of the third-party bank or lending partner. Approval and terms are not guaranteed and may vary based on creditworthiness and other factors. Contact A&R Solar or the applicable lender for current rates and eligibility.
Built for Your Energy Goals Backed by Our Guarantees
Every system built to perform, and every customer treated like they matter.
Financing
Potentially little or $0 down.
You own the system and spread the cost over time.
Best if you want to preserve cash and still own your solar system.
Tradeoff: Interest and financing costs can increase what you pay over time.
Cash
Pay less upfront. No monthly solar payment.
You make one upfront payment that can be about 30% lower than a comparable cash purchase.
There’s no monthly payment, no annual escalator and no lien on your home’s title. You can choose to take ownership beginning in year 6.
Tradeoff: You don’t own the system immediately.
Washington Prepaid Lease
Go solar without a large upfront purchase.
You make a monthly payment while a third party owns the system.
A&R’s current Oregon lease has no annual payment escalator.
Tradeoff: You’ll continue making monthly payments and won’t own the system.
Oregon Solar Lease
Pay once. Own it from day one.
Cash avoids loan interest and monthly solar payments.
Tradeoff: It requires the largest upfront investment.
Options for Everyone
Which Option Fits You?
Want to pay as little as possible upfront?
Start with financing. Oregon homeowners can also compare a solar lease.
Can pay upfront, but want to spend less than cash?
Washington homeowners should compare the prepaid lease.
Want a monthly payment instead of a large upfront purchase?
Compare financing and, in Oregon, solar leasing.
Want to own the system immediately and avoid financing?
Cash may be your best fit.
Frequently Asked Questions
How the Washington sales tax refund works for your solar system?
Can I get solar with $0 down?
Potentially. Some financing options may offer $0 down for qualified homeowners. Oregon solar leasing may also require little or potentially no upfront payment.
What’s the difference between financing and leasing?
With financing, you own the system and repay a loan.
With a solar lease, a third party owns the system and you make payments for its use.
What is a prepaid lease?
A prepaid lease uses one upfront payment instead of monthly lease payments. A third party temporarily owns the system, helping reduce the upfront price through commercial solar incentives.
A&R’s prepaid lease is available in Washington only.
Which option costs the least overall?
It depends on your system and terms. Cash avoids financing costs, while financing and leasing can reduce what you need to pay upfront.
We’ll show you the actual numbers so you can compare.
Compare Solar Payment Options for Your Home
Tell us a little about your home and electricity use. We’ll show you the options available in your state and what they could look like for your project.