Financing For Residences

FINANCING SOLAR PANELS FOR YOUR HOME

EVERYONE NEEDS A HELPING HAND SOMETIMES.

WHAT IS FINANCING

We at Smarter Energy Services are proud to offer financing to our customers who purchase solar panels. In other words, we have lending options to help you fund your solar project.

There are two main advantages to financing with us.

No money down
No loan repayment required for the first 12 months

The total of money lent will depend on the size and cost of your project. But we want to give you ample time to financially prepare while you take this step toward a more sustainable world. To us, doing your part to fight client change means you deserve all the support you can get. So this is our gift to you to help you along with the project.

BUT WAIT - THERE'S MORE!

That’s right. While many loan and financing options in our line of work can be exclusive or trap customers in endless debt, we have chosen financing options designed to reduce the amount of debt and keep panels accessible. Here are some ways we are keeping rooftop solar available for you.

ALL HOUSEHOLD INCOMES COUNT TOWARD YOUR FINANCING CREDIBILITY

We trust your household. So even if you have previous debts affecting your credit score, the other breadwinners in your orbit could increase your likelihood of approved financing. Your household’s combined income and credit scores count toward your eligibility.

LTV IS NOT PART OF THE UNDERLYING CREDIT DECISION

Our financing program does not factor in Loan-to-Value (LTV) Ratios. Remember, we offer $0 down for the first 12 months. So down payments don’t factor into your financing eligibility.

ITIN NUMBER MAY BE ACCEPTED IN PLACE OF YOUR SSN

Everyone deserves solar. If you would rather give us your individual taxpayer identification number (ITIN) than your social security number (SSN), that’s fine by us. No questions asked.

DTI IS NOT A FACTOR

We are not looking at your debt-to-income (DTI) ratio to determine your financing eligibility. We consider your decision to go solar as a debt replacement.

NO STIP RATES FOR THOSE >660/RATES UNDER 5% FOR THOSE <660

Interest rates should not be limiting for those who want to go solar. Since we’re in the business of preserving our world, we won’t charge you a STIP rate if your credit score is over 660. If it’s under, we still try to keep it low and guarantee it will be under 5%.