Solar Financing in 2025: Don’t Wait Until It’s Too Late
Homeowners can finance solar + battery with $0 down and capture the federal tax credit before it ends in 2025.
When most people think about going solar, the first question isn’t about kilowatts or panel brands—it’s about money. How do I pay for this? And is it actually worth it?
The good news: financing solar + battery has never been easier, and with Viva Energy’s options, you don’t need a pile of cash to start saving on your power bills. Here’s how it works.
$0 Down Options
Big upfront checks scare off a lot of homeowners. That’s why we offer $0 down loans with fixed monthly payments. You own your system from day one, and your payments are predictable—no wild swings like your utility bill.
Don’t Miss the 2025 Tax Credit Deadline
The federal solar tax credit—worth 30% of your system cost—is set to end for California homeowners on December 31, 2025. The catch? Not everyone qualifies to claim it directly. That’s where Viva Energy’s credit transfer structure comes in. We apply the credit on your behalf and roll the savings right into your financing. That means no waiting for next year’s tax refund and no missing out if you don’t qualify.
Tailored Financing, Not Cookie-Cutter Deals
Every home is different, and so are your goals. Maybe you want to pay cash to maximize long-term savings. Maybe a solar loan makes sense to keep your monthly costs steady. Or maybe you’d prefer a lease if ownership isn’t your thing. We walk you through each option—no one-size-fits-all sales pitch.
How Solar Financing Works
1. Tell us about your home. We’ll run a quick solar savings estimate.
2. Review your options. We’ll lay out cash or loan paths and apply eligible tax credit savings.
3. Get approved and scheduled. Once you’re approved, we take care of permitting and installation.
Straight Answers About Solar Loans
Will financing affect my credit score? Not when we start. We run a soft credit pull first, so your score isn’t impacted until you choose to move forward.
Can I pay off early? Yes—our loan options have no prepayment penalties.
How long does it take? Pre-approval is usually 1–2 business days. From there, permitting and installation typically wrap within 30–45 days.
Lock in Savings Before the 2025 Deadline
If you’ve been waiting for the “right time” to go solar, this is it. Energy bills aren’t going down, and the 30% federal tax credit is set to disappear after 2025. With flexible financing, $0 down options, and a team that puts your savings first, Viva Energy makes it simple to switch to solar + battery.