{"id":85,"count":11,"description":"<h2>How to Buy Solar Panels<\/h2>\r\nBuying solar panels is something homeowners do once, maybe twice, in a lifetime. As such, the process can be a little intimidating and it can be tough to know where to begin.\r\n\r\nSo, in this article we\u2019ll break down the basics of buying solar panels for your home. We\u2019ll cover:\r\n<ul>\r\n \t<li><a href=\"#how\">How to buy solar panels<\/a><\/li>\r\n \t<li><a href=\"#lease\">Leasing vs buying solar panels<\/a><\/li>\r\n \t<li><a href=\"#where\">Where to buy solar panels<\/a><\/li>\r\n \t<li><a href=\"#house\">Buying a house with solar panels<\/a><\/li>\r\n \t<li><a href=\"#best\">The best solar panels to buy<\/a><\/li>\r\n<\/ul>\r\nLet\u2019s jump right by exploring the two main ways to buy solar panels.\r\n\r\n<a href=\"https:\/\/www.solar.com\/dashboard\">Compare multiple solar quotes from local installers.<\/a>\r\n<h2><a id=\"how\"><\/a>How to buy solar panels: Cash vs loan<\/h2>\r\nIf you plan to buy solar panels, one of the first things to consider is whether you\u2019ll purchase them with cash or finance them with a loan.\r\n\r\nWhile a cash purchase leads to greater lifetime savings, financing with a solar loan can lead to more immediate savings. Typically, about half of solar.com customers chose to pay cash and the other half chose to finance with a solar loan.\r\n<table width=\"624\">\r\n<tbody>\r\n<tr>\r\n<td width=\"312\"><strong>Cash advantages<\/strong><\/td>\r\n<td width=\"312\"><strong>Loan advantages<\/strong><\/td>\r\n<\/tr>\r\n<tr>\r\n<td width=\"312\">Greater lifetime savings<\/td>\r\n<td width=\"312\">More immediate savings<\/td>\r\n<\/tr>\r\n<tr>\r\n<td width=\"312\">No interest payments<\/td>\r\n<td width=\"312\">Zero down payment<\/td>\r\n<\/tr>\r\n<tr>\r\n<td width=\"312\">Not subject to loan approval qualifications<\/td>\r\n<td width=\"312\">Steady, predictable electricity costs<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\nIn the example below:\r\n<ul>\r\n \t<li>Paying cash (purple line) leads to ~$4,500 in additional energy cost savings, but it takes around 7 years to break even<\/li>\r\n \t<li>The 12-year solar loan (pink line) offers immediate monthly savings, but includes ~$4,500 in interest payments<\/li>\r\n<\/ul>\r\n<img class=\"aligncenter size-medium\" src=\"https:\/\/assets.solar.com\/wp-content\/uploads\/2023\/02\/cash-vs-loan.png\" alt=\"buying solar panels with cash vs loan\" width=\"2493\" height=\"2024\" \/>\r\n\r\nHow you choose to buy solar panels depends on your financial situation and your savings goals.\r\n<h3>Buying solar panels with cash<\/h3>\r\nPaying cash is the simplest way to buy solar panels and offers the greatest return on investment. Cash purchases are typically made in 3-4 installments.\r\n\r\nFor example:\r\n<ul>\r\n \t<li><strong>Down payment\/deposit - <\/strong>An initial deposit upon signing a contract in order to lock in an installation date<\/li>\r\n \t<li><strong>Due upon delivery of materials - <\/strong>A second installment around 50% of the remaining balance is due when equipment is delivered and\/or installation begins<\/li>\r\n \t<li><strong>Due upon final inspection - <\/strong>The remaining balance is due once your system is installed and passes city building inspection<\/li>\r\n<\/ul>\r\nOf course, the exact payment schedule varies by installation company, but now you have a basic idea of what to expect.\r\n\r\nWhile cash provides the greatest long term cost savings, there is typically a <a href=\"https:\/\/www.solar.com\/learn\/what-is-the-average-payback-period-for-solar-panels\/\" target=\"_blank\" rel=\"noopener\">6-10 year payback period<\/a> before you recoup your upfront investment. Given that solar panels are warrantied for 25 years (and last much longer) that leaves plenty of time to accumulate savings.\r\n<h3>Buying solar panels with a loan<\/h3>\r\nLet\u2019s face it, not everybody has $20,000 to $30,000 in cash lying around \u2013 but that doesn\u2019t mean you can\u2019t buy solar panels.\r\n\r\nSolar loans offer a steady monthly payment that can front-load your solar savings. For example, if your average electricity bill is $125 a month and your solar loan payment is $100 a month, you\u2019re saving $25 a month ($300 per year) right off the bat.\r\n\r\nThe great thing about solar loans is that they are incredibly versatile and loan terms range from 8 to 20 years. In addition, most solar loans do not require a down payment, although you can make one to lower your monthly payments.\r\n\r\nSo, by mixing and matching the type of loan, the term, and your down payment, you have a lot of control over your monthly electricity costs.\r\n\r\n<strong>As a rule of thumb:<\/strong>\r\n<ul>\r\n \t<li>Longer loan term equals lower monthly payments but more money spent on interest<\/li>\r\n \t<li>Shorter loan term equals higher monthly payments and less money spent on interest<\/li>\r\n<\/ul>\r\nA majority of solar.com customers that finance their solar system choose a 12-year loan as it provides a balance of low monthly payments and substantial lifetime savings.\r\n<h4>Where to get a solar loan<\/h4>\r\nThere are a few ways to find a lender for your solar loan.\r\n<ul>\r\n \t<li>Find one yourself (Google, use your primary bank, call around)<\/li>\r\n \t<li>Use the lender your solar installer recommends<\/li>\r\n \t<li><a href=\"https:\/\/www.solar.com\/dashboard\" target=\"_blank\" rel=\"noopener\">Team up with a solar.com Energy Advisor<\/a> to shop for loan options<\/li>\r\n<\/ul>\r\nKeep in mind, not all lending institutions have the combo and reamortizing loans designed specifically for financing solar systems. So, having an Energy Advisor on your side to shop for loans can be a huge help.\r\n<h4>Solar loan qualifications<\/h4>\r\nLike a mortgage or a car loan, you\u2019ll need certain qualifications to be approved for a solar loan.\r\n\r\nLoan qualifications vary by lender, but typically you\u2019ll need:\r\n<ul>\r\n \t<li>A FICO credit score above 650<\/li>\r\n \t<li>A debt-to-income (DTI) ratio below 50%<\/li>\r\n \t<li>The primary borrower on the loan must have their name on the title of the home getting solar panels<\/li>\r\n<\/ul>\r\nIt\u2019s worth checking to see if you meet these qualifications before going too deep in the solar process. If you need a little boost, adding a co-borrower with a strong credit score and DTI can help you qualify.\r\n\r\n[pnpZip background=true border=true primary_color=\"#8b72d3\" content_texts=true utm_campaign=\"get_started_injectable\" utm_medium=\"how to buy solar panels\" upper_text= \"Compare quotes from multiple\" upper_text_span = \"trusted installers\" lower_text= \"See how much solar could lower your\" lower_text_span = \"energy costs\" get_started_text = \"Get started\"]\r\n<h2><a id=\"lease\"><\/a>Leasing vs Buying Solar Panels in 2026<\/h2>\r\nNow that we know the basics of buying solar panels, let\u2019s explore the advantages of <a href=\"https:\/\/www.solar.com\/learn\/lease-or-buy-solar-panels\/\" target=\"_blank\" rel=\"noopener\">buying versus leasing your solar system.<\/a>\r\n\r\nThe major difference is who owns the system.\r\n<ul>\r\n \t<li>If you buy solar panels \u2013 either with cash or a loan \u2013 you own them<\/li>\r\n \t<li>If you lease solar panels, someone else owns them<\/li>\r\n<\/ul>\r\nDirect ownership typically offers greater savings potential in the long run. However, with the <a href=\"https:\/\/www.solar.com\/learn\/trumps-one-big-beautiful-bill-is-now-law-how-it-impacts-solar\/\" target=\"_blank\" rel=\"noopener\">homeowner-claimed credit terminated<\/a>, leasing is often a stronger option for immediate energy cost savings.\r\n<table style=\"width: 116.927%;height: 144px\" width=\"624\">\r\n<tbody>\r\n<tr style=\"height: 24px\">\r\n<td style=\"height: 24px\" width=\"312\"><strong>Advantages of buying solar panels<\/strong><\/td>\r\n<td style=\"height: 24px\" width=\"312\"><strong>Advantages of leasing solar panels<\/strong><\/td>\r\n<\/tr>\r\n<tr style=\"height: 24px\">\r\n<td style=\"height: 24px\" width=\"312\">Greater energy cost savings<\/td>\r\n<td style=\"height: 24px\" width=\"312\">Lease provider responsible for monitoring &amp; maintenance<\/td>\r\n<\/tr>\r\n<tr style=\"height: 24px\">\r\n<td style=\"height: 24px\" width=\"312\">Increases home value<\/td>\r\n<td style=\"height: 24px\" width=\"312\">No or low upfront cost<\/td>\r\n<\/tr>\r\n<tr style=\"height: 24px\">\r\n<td style=\"height: 24px\" width=\"312\">You claim local tax credits &amp; incentives<\/td>\r\n<td style=\"height: 24px\" width=\"312\">Low, predictable monthly payments<\/td>\r\n<\/tr>\r\n<tr style=\"height: 48px\">\r\n<td style=\"height: 48px\" width=\"312\">Easier to transfer in home sale<\/td>\r\n<td style=\"height: 48px\" width=\"312\">Federal tax credit (claimed by installer) available through end of 2027<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n&nbsp;\r\n\r\nLike a solar loan, solar leases offer a flat monthly payment to replace your utility electricity bill. However, the major difference is that solar loan payments stay consistent over time, while lease payments can increase each year.\r\n\r\nSolar leases may have an <a href=\"https:\/\/www.solar.com\/learn\/what-is-a-solar-lease-escalator\/\" target=\"_blank\" rel=\"noopener\">escalator<\/a> that increases your monthly payment by 1-3% each year. Read your leasing agreement thoroughly to understand if there's an escalator and how it will impact your payments.\r\n<h2><a id=\"where\"><\/a>Where to buy solar panels<\/h2>\r\nIn most cases, residential solar panels are bought through an installation company, just like kitchen cabinets are typically ordered through a contractor.\r\n\r\nThere are hundreds different models of solar panels available through solar.com\u2019s network of installers. By easily <a href=\"https:\/\/www.solar.com\/dashboard\">comparing quotes from local installers<\/a>, homeowners have access to a tremendous variety of solar panels, inverters, and batteries.\r\n\r\nWhile it is possible for homeowners to buy solar panels themselves, either used or directly from the manufacturer, there are a few reasons to buy them through an installer.\r\n<ul>\r\n \t<li>Solar installers have relationships with manufacturers that allow them to get better pricing than homeowners<\/li>\r\n \t<li>Unlike used panels, new solar panels come with <a href=\"https:\/\/www.solar.com\/learn\/solar-panel-warranty-guide-what-you-need-to-know\/\">25-year warranties<\/a> that are crucial to protecting your investment<\/li>\r\n \t<li>Installers have reliable shipping methods and will deal with shipping and handling issues if they arise<\/li>\r\n<\/ul>\r\n<a href=\"https:\/\/www.solar.com\/dashboard\" target=\"_blank\" rel=\"noopener\">Design a custom solar system and compare quotes online.<\/a>\r\n<h2><a id=\"house\"><\/a>Buying a house with solar panels<\/h2>\r\nThe back way into buying solar panels is buying a house that already has solar panels installed.\r\n\r\n<a href=\"https:\/\/zillow.mediaroom.com\/2021-11-30-Earth-Tones-and-Eco-friendly-Features-Top-Zillows-2022-Home-Trends?mobile=No\" target=\"_blank\" rel=\"noopener\">According to Zillow<\/a>, homes with solar panels \u2013 and other energy efficient features \u2013 sell faster and for more money than comparable homes without.\r\n\r\nAnd why wouldn\u2019t solar panels be an attractive feature? You\u2019re essentially buying a house with incredibly low electricity costs and saving money on energy the day you sign the deed.\r\n\r\nThere are a few things to consider when buying a house with solar panels:\r\n<ul>\r\n \t<li><strong>Is the system owned or leased? <\/strong>If the home has a leased system, are you prepared to take over the lease payments, or would you rather have the owner pay off the lease and remove the system?<\/li>\r\n \t<li><strong>Is the roof in good condition? <\/strong>One of the drawbacks of rooftop solar is that the system needs to be removed in order to re-roof the house, which costs money. If the roof seems old, it may be worth negotiating over.<\/li>\r\n \t<li><strong>Will the system cover your electricity needs? <\/strong>If you will use substantially more electricity than the previous owner (say, by <a href=\"https:\/\/www.solar.com\/learn\/how-many-solar-panels-does-it-take-to-fuel-an-electric-car\/\" target=\"_blank\" rel=\"noopener\">charging an EV at home<\/a>), then the existing system won\u2019t cover 100% of your consumption. That shouldn\u2019t be a deal-breaker, but it\u2019s worth considering.<\/li>\r\n \t<li><strong>Will the warranties transfer over? <\/strong>In most cases, the performance and product warranties will transfer in a home sale and continue protecting the system. However, it\u2019s worth establishing that during the sale.<\/li>\r\n<\/ul>\r\nBuying a house with solar panels is getting more common and routine, and is an excellent back-door method of buying solar panels.\r\n\r\n<strong>Related reading:<\/strong> <a href=\"https:\/\/www.solar.com\/learn\/do-solar-panels-increase-home-value\/\" target=\"_blank\" rel=\"noopener\">Do Solar Panels Increase Home Value?<\/a>\r\n<h2><a id=\"best\"><\/a>Best solar panels to buy<\/h2>\r\nThere are thousands of residential solar panel models that range in size, efficiency, power output, price, and warranty coverage. The <a href=\"https:\/\/www.solar.com\/learn\/best-solar-panels\/\" target=\"_blank\" rel=\"noopener\">best solar panels to buy<\/a> depend on your budget, priorities, and energy goals.\r\n\r\nMost homeowners look for a balance of efficiency, affordability, and warranty coverage. Based on thousands of sales over a 12-month period, REC was the most popular brand of solar panel, followed by Q Cells, Panasonic*, SEG Solar, Canadian Solar, and Solaria.\r\n\r\n<em>*Panasonic exited the solar module manufacturing space in 2025 and the availability of these panels will be limited moving forward.<\/em>\r\n\r\n<img class=\"aligncenter size-medium\" src=\"https:\/\/assets.solar.com\/wp-content\/uploads\/2023\/12\/best-solar-panels.png\" alt=\"most popular solar panel brands\" width=\"1948\" height=\"1686\" \/>\r\n\r\nSome things to consider when you\u2019re choosing a solar panel model:\r\n<ul>\r\n \t<li><strong>The size of your roof. <\/strong>If you have a limited roof space, you may need panels with higher efficiency and power output<\/li>\r\n \t<li><strong>Manufacturer warranties. <\/strong>Most panels have 25- to 30-year performance warranties that guarantee a certain level of output over time<\/li>\r\n \t<li><strong>Black vs blue. <\/strong><a href=\"https:\/\/www.solar.com\/learn\/monocrystalline-solar-panels-polycrystalline-comparison\/\" target=\"_blank\" rel=\"noopener\">Monocrystalline panels<\/a> tend to be black in color while polycrystalline panels tend to be blue in color<\/li>\r\n \t<li><strong>Where it\u2019s made. <\/strong>With incentives from the <a href=\"https:\/\/www.solar.com\/learn\/inflation-reduction-act\/\" target=\"_blank\" rel=\"noopener\">Inflation Reduction Act<\/a>, more solar panels are being manufactured in the US<\/li>\r\n<\/ul>\r\nIf you\u2019re looking for the very best solar panels to buy, here are some of the top performers for each characteristic.\r\n<table width=\"624\">\r\n<tbody>\r\n<tr>\r\n<td width=\"208\"><strong>Category<\/strong><\/td>\r\n<td width=\"208\"><strong>Panel(s)<\/strong><\/td>\r\n<td width=\"208\"><strong>Measurement<\/strong><\/td>\r\n<\/tr>\r\n<tr>\r\n<td width=\"208\">Lowest degradation<\/td>\r\n<td width=\"208\">SunPower X-Series, Panasonic EverVolt, REC Alpha<\/td>\r\n<td width=\"208\">No more than 0.25% per year<\/td>\r\n<\/tr>\r\n<tr>\r\n<td width=\"208\">Most efficient<\/td>\r\n<td width=\"208\">SunPower A-series<\/td>\r\n<td width=\"208\">Up to 22.8%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td width=\"208\">Longest performance warranty<\/td>\r\n<td width=\"208\">Aptos Solar DNA Split Cell Series, Hyundai RG Series, Canadian Solar (various models)<\/td>\r\n<td width=\"208\">30 years<\/td>\r\n<\/tr>\r\n<tr>\r\n<td width=\"208\">Locally made<\/td>\r\n<td width=\"208\">Silfab mono series, Q Cells Peak Duo series, Mission Solar PERC series, Solaria Power XT series<\/td>\r\n<td width=\"208\">Manufactured in the USA<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\nPicking the best solar panel is kind of like picking a car \u2013 everybody has a different idea of what makes the best product. The best panel is the one that helps you achieve your energy goals.\r\n<h2>The bottom line<\/h2>\r\nBetween incentives, zero-down financing, and plummeting prices, the cost of going solar is nowhere near the barrier it once was. In fact, just figuring out <em>how <\/em>to buy solar panels is often a bigger hurdle than actually buying them.\r\n\r\nSolar.com simplifies the process of buying solar panels by pairing you with an expert Energy Advisor to guide you every step of the way. Better yet, <a href=\"https:\/\/www.solar.com\/learn\/new-department-of-energy-research-on-customers-saving-with-solar-com\/\" target=\"_blank\" rel=\"noopener\">studies by the US Department of Energy<\/a> have proven that homeowners save money by comparison shopping on solar.com.\r\n\r\n<a href=\"https:\/\/www.solar.com\/dashboard\">Compare multiple quotes and see how much you can save by going solar today.<\/a>","link":"https:\/\/www.solar.com\/learn\/buy-solar-panels\/","name":"Buy Solar Panels","slug":"buy-solar-panels","taxonomy":"category","parent":5,"meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v19.5 (Yoast SEO v19.10) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How To Buy Solar Panels in 2026 | Solar.com<\/title>\n<meta name=\"description\" content=\"If you buy solar panels outright you&#039;ll get the most benefits and added home value through more lifetime savings and reducing your reliance on fossil fuels.\" \/>\n<meta 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