Solar Panel Finance Options
Spread the cost of your solar panel installation with affordable monthly payments. With 0% deposit options available and monthly payments often lower than your energy savings, solar can pay for itself from day one. All finance is FCA regulated for your peace of mind.
0%
Deposit Required
FCA
Regulated Finance
Same Day
Credit Decision
Flexible
Repayment Terms
Finance Overview
At ElectriFusion Solutions, we believe that the upfront cost of a solar panel system should not be a barrier to enjoying the long-term benefits of clean, free energy. That is why we offer flexible consumer finance options that allow you to spread the cost of your installation over affordable monthly payments, making solar accessible to every homeowner.
Our finance is provided through our partnership with Phoenix Financial Consultants Limited, an established and trusted finance provider that is fully authorised and regulated by the Financial Conduct Authority (FRN: 539195). ElectriFusion Solutions Ltd acts as an Introducer Appointed Representative (IAR: 1011021), meaning we introduce you to the finance provider who then handles the credit agreement directly.
With 0% deposit options available, you do not need to save up before going solar. Many of our customers find that their monthly finance repayment is less than the savings they make on their electricity bills, effectively making their solar panel system cost-neutral or even profitable from the very first month. Combined with Smart Export Guarantee income and the reduced cost of solar panels in 2026, financing your solar installation has never made more financial sense.
How Solar Finance Works
Free Home Survey
Book a free, no-obligation home survey with ElectriFusion Solutions. Our MCS-certified engineer assesses your property, designs a bespoke system, and provides a detailed quote with projected savings and finance illustrations.
Choose Your Plan
Review the finance options available to you and select the repayment term and monthly payment that suits your budget. Our team walks you through every option so you can make a fully informed decision with no pressure.
Quick Decision
Complete a straightforward application with Phoenix Financial Consultants Limited. Decisions are typically provided the same day, so you can move forward with confidence. The application process is handled securely and in full compliance with FCA regulations.
Installation & Savings
Once approved, we schedule your solar panel installation at a convenient time. Your system is installed in 1-2 days and you start saving on your electricity bills immediately while making manageable monthly payments.
Example Monthly Payments
The table below shows indicative monthly payments for different system sizes and finance terms. These examples are for illustration purposes only and do not constitute a finance offer. Actual rates depend on your individual circumstances and credit status.
~£65
Typical monthly payment
10-panel system over 10 years
~£80
Typical monthly saving
On your electricity bills
£15+
Net monthly benefit
Solar pays for itself from day one
| System | Cash Price | 7-Year Term | 10-Year Term | Est. Monthly Saving |
|---|---|---|---|---|
| 8 panels (3.5 kW) | £5,000 | ~£70/month | ~£55/month | £55 - £75 |
| 10 panels (4.5 kW) | £5,500 | ~£78/month | ~£60/month | £65 - £90 |
| 12 panels (5.3 kW) | £6,500 | ~£90/month | ~£65/month | £80 - £100 |
| 15 panels (6.6 kW) | £8,000 | ~£110/month | ~£80/month | £90 - £120 |
| 12 panels + battery | £10,000 | ~£138/month | ~£100/month | £100 - £140 |
Monthly payments are indicative and based on a representative APR of 9.5% fixed. Actual rates may vary depending on credit status and chosen term. Energy savings are estimates based on current electricity prices and typical usage patterns. Finance is subject to status.
Green Mortgages & Bank Cashback
Several major UK lenders now offer dedicated green mortgage products and cashback incentives for homeowners who invest in solar panels or other energy efficiency improvements. These can be used alongside or instead of consumer finance.
- Nationwide: 0% interest on additional borrowing of £5,000–£20,000 for green home improvements including solar panels.
- Barclays & Halifax: £1,000 cashback paid directly to homeowners who install solar panels via a qualified installer.
- Lloyds Bank: £1,000 cashback on green home improvements including solar PV systems.
- Santander: £1,000 cashback via the Greener Homes Scheme when installed by an accredited installer.
Green mortgage products now number 90+ in the UK market. Terms, eligibility, and availability change — check directly with your lender or speak to a mortgage broker.
Which Option Is Right For Me?
No savings to hand
Consumer finance via ElectriFusion Solutions — 0% deposit, no upfront cost, immediate savings from day one.
Have savings but prefer cashflow
Consumer finance — keep your savings as an emergency fund and let solar savings offset the monthly payment.
Remortgaging soon
Ask your new lender about green mortgage cashback schemes. You may be able to borrow extra at a low green rate.
Existing mortgage headroom
Nationwide's 0% green borrowing is the cheapest form of solar finance available — if you qualify.
Our team discusses all options during your free survey — we want you to choose the approach that makes the most financial sense for your situation.
Benefits of Financing Solar
- No large upfront cost — keep your savings intact and spread the investment over manageable monthly payments. With 0% deposit options, you do not need to pay anything upfront to get started.
- Start saving immediately — your solar panels begin generating free electricity from day one. Many customers find the energy savings exceed their monthly finance payment, making solar cost-neutral or profitable from the start.
- Lock in today's prices — energy costs continue to rise year on year. By financing solar now, you lock in protection against future price increases while your monthly payment remains fixed.
- Take advantage of 0% VAT now — the 0% VAT rate on domestic solar is confirmed until at least March 2027 but is not guaranteed to continue. Financing now means you benefit from the VAT saving while it is available.
- Increase your property value — solar panels add value to your home. Studies show a 4-14% increase in property value, meaning you could recoup some or all of the cost if you sell before the finance term ends.
- Reduce your carbon footprint now — every month you delay going solar is another month of relying on grid electricity. Finance lets you start making a positive environmental impact today without waiting to save up.
Typical Finance Example
12-Panel Solar System
This example is for illustration purposes only. The monthly payment is based on a representative APR and may vary depending on your credit status. Energy savings are estimates based on current average electricity prices and typical household consumption. Speak to our team during your free survey for a personalised finance illustration.
FCA Regulatory Information
ElectriFusion Solutions Ltd is an Introducer Appointed Representative of Phoenix Financial Consultants Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 539195). Our IAR number is 1011021.
As an Introducer Appointed Representative, ElectriFusion Solutions Ltd introduces customers to Phoenix Financial Consultants Limited for the purposes of consumer credit. We do not provide financial advice or make credit decisions. All credit agreements are between you and Phoenix Financial Consultants Limited, and are subject to status, affordability checks, and terms and conditions.
Finance is available to UK homeowners aged 18 and over. Applications are subject to credit checks and affordability assessments. You have the right to withdraw from any credit agreement within 14 days of signing without giving a reason. If you have any complaints regarding your finance agreement, you should contact Phoenix Financial Consultants Limited directly.
ElectriFusion Solutions Ltd is registered in England and Wales (Company Number: 15276574). Registered office: 32 Eyre Street, Sheffield, South Yorkshire, S1 4QZ.
Got Questions? We Have Answers.
Everything you need to know about solar panels, battery storage, and working with ElectriFusion Solutions.
Still have questions?
Our team responds within 4 hours -- get a free, no-pressure quote today.
Continue Your Research
Everything you need to make an informed decision about solar panels.
Start Saving on
Your Energy Bills
Fill in the form for your free solar assessment. No pressure, no pushy sales — just honest advice from MCS-certified specialists who respond within 4 hours.
MCS Certified engineers on every install
Required for SEG payments
Free home survey — no obligation
Book within 3 working days
0% VAT on domestic solar & battery
UK Government scheme
Lifetime workmanship warranty included
Plus manufacturer guarantees
Smart Export Guarantee earnings from day 1
Sell surplus energy back
Finance available from £0 deposit
0% APR options
200+
Installations completed
0% VAT
On all solar installs
15yr
Workmanship warranty
4hr
Response guarantee
Solar Assessment
Calculate your roof's potential & ROI in seconds.
Enquiry Received!
We'll be in touch within 4 hours. Keep an eye on your inbox and phone.