Solar Savings Without the Tax Credit

The 30% ITC is over — but you can still save up to 23% through our Pre-Paid PPA program.

Talk to a Solar Expert
  • Icon of money bag representing zero-down solar financing

    $0 Down Options

    Finance solar + battery together with $0 down options.

  • Icon of calendar with 31, symbolizing 2025 tax credit deadline

    Save up to 23% in 2026

    Our Pre-Paid PPA structure unlocks major savings — without the tax credit.

  • Icon of magnifying glass, symbolizing tailored financing recommendations

    Honest Recommendations

    Tailored Financing. Not one-size-fits-all.

Your Financing Options

Option How It Works Best For
Cash Pay upfront. Maximize long-term savings. Homeowners looking to avoid interest.
Solar Loan $0 down. Fixed monthly payments. Own your system. Most homeowners who want tax credit access.
Lease (if applicable) Low upfront cost. Pay monthly to use the system. Renters or owners who don’t want ownership.
Pre-Paid PPA One-time payment. Partner claims credit, you get up to 23% off instantly. Homeowners who missed the 30% tax credit but want to own.

⚠️ We recommend financing options based on your home, your budget, and your long-term goals.

The Tax Credit Expired.
Here’s What We’re Doing About It.

The 30% federal solar tax credit ended on December 31, 2025, but that doesn’t mean you’ve missed your chance to save. With Viva Energy’s Pre-Paid PPA program, you can still get up to 23% off your system price — no tax forms, no waiting.

Here’s how:

  • A financing partner installs the system and claims the commercial tax benefits.

  • You pay a discounted upfront rate for 25 years of energy.

  • After 6 years, the system transfers to your name — no action needed.

No monthly payments. No buyout later. Just real savings.

How Financing Works

Getting started is easier than you think.

  • ➊

    Tell us about your home.

    We’ll run a quick solar savings estimate.

  • ➋

    Review your options.

    We’ll walk you through loan, cash, and Pre-Paid PPA options — and show you how to get the best value, even without the tax credit.

  • ➌

    Get approved & scheduled.

    Once you’re approved, we’ll handle permitting and installation.

 FAQs

  • No. The 30% tax credit expired on December 31, 2025. But you may still qualify for up to 23% savings with our Pre-Paid PPA.

  • You’re not alone — the credit has ended for most homeowners. Instead, we offer a Pre-Paid PPA that lets you lock in savings upfront, with no tax forms required.

  • A one-time cash payment for 25 years of solar. A partner claims the commercial tax benefits and passes the savings to you. Ownership transfers to you after 6 years — no monthly payments, no surprises.

  • No — checking your options starts with a soft credit pull, which does not affect your score. A hard pull only happens if you choose to move forward.

  • Yes. All of our loan options allow early payoff with no prepayment penalties.

  • Most customers are pre-approved within 1–2 business days. From there, permitting and installation typically happen within 30–45 days.

Still have questions about solar financing?

Leave us your info and one of our solar specialists will reach out.