Financing
Ways to pay for solar or heat pumps. Honest pros & cons.
No tricks. No "free panels." Honest comparison, solar and heat pumps.
Solar
Paying for solar.
Cash purchase
Best long-term ROI
- You own the system outright
- SMART + net metering credits
- You keep every state incentive
- No monthly payment
- Largest upfront commitment
IGS lease (TPO)
$0 down, predictable monthly
- $0 upfront
- IGS owns and maintains the system
- Fixed monthly (no-increase option available)
- No maintenance responsibility
- Owner keeps the incentives, not you
- You don’t own the system
$0 down means no upfront cost, not free solar.
Financed purchase
$0 down, you own it
- $0 down through a credit-union partner
- You own it and keep the incentives
- Rate and term confirmed with your quote
- Loan interest reduces vs. cash
Subject to lender approval. Exact terms shown at quote.
Estimate your system size
From your monthly electric bill.
Heat pumps
Paying for a heat pump.
Oil, propane or electric heat
Mass Save: $0, or up to $8,500 off
- Income-qualified: $0 turnkey
- Otherwise: rebate up to $8,500
- Replacing oil, propane or electric heat
- We handle the Mass Save paperwork
- Requires a Mass Save assessment
Exact amount confirmed by Mass Save.
Gas heat
0% HEAT Loan, up to $25,000
- Finance at 0% APR, you own it
- Up to $25,000, up to a 7-year term
- Adds efficient cooling too
- No Mass Save rebate or turnkey for gas
Subject to lender approval.
Cash and financed purchase apply to heat pumps too.
See your Mass Save path
Pick how you heat your home today.
Which one fits you?
Quick rule of thumb to decide.
Heads up:
Incentives change. Free consultation is the fastest way to know.