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Solar Loans

Star One offers financing for the purchase and installation of solar energy systems for your home.

Best solar loan rates:
as low as 4.25% APR1

Star One solar loan rates are among the best solar loan rates around. Competitive fixed rates are offered on all solar loans.

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Loans up to $100,000

Star One offers loans that are designed to cover your entire project.

100% financing

By offering up to 100% financing with no money down, our solar loans allow you to swap your monthly electric bill for a monthly loan payment on a solar electric system—one which you would own at the end of the loan repayment period.

Solar tax credit / solar rebates

When you take out a solar loan, you may be eligible for the federal solar tax credit*. This is worth 30% of total system costs—a substantial savings.

If you choose to apply the solar tax credit, or any lump sum, to your solar loan, you can retain your same interest rate, keep your original loan term, and lower monthly payments at no cost.

Learn more about the federal solar tax credit on

Solar Loan Interest Rates

Annual Percentage Rate Range



- 6.00

% *

Monthly payment: $7.53 - $8.45 per $1,000, Fixed rate, 15 years maximum term

Solar panel financing for investment properties

Star One can finance a solar-powered energy system for your investment or rental property, up to four units, in addition to your primary residence or second home.

Solar loan refinance

If you have an existing solar loan with another lender, you can refinance with Star One at no cost to take advantage of Star One's low rates and excellent member service. The term available for a refinance may be determined by the remaining term of the solar equipment warranty.

How solar financing works

You line up your solar installer and then apply for your loan online, or you can get pre-approved. Upon approval, you upload income documentation, a copy of the solar installment contract plus other required documentation. Star One will work with you and the installer to fund your solar loan upon confirmation of installation.

1. Your Annual Percentage Rate (APR) may be higher based on credit qualifications. The range of APR is 4.25% to 6.00%. A sample payment on a 180-month loan at 4.25% APR is $7.53 per thousand financed, and a sample payment on a 180-month loan at 6.00% is $8.45 per thousand financed. Rates are current as of October 1, 2022 and are subject to change without notice.

*Consult your tax professional. The federal solar tax credit of 30% can apply to solar systems installed between 2022-2032.