Financing that fits your bill.
Most Massachusetts homeowners start with $0 down — and structure the payment so it's at or below their old electric or oil bill. Between solar loans, the 0% Mass Save HEAT Loan, and stacked incentives, going clean often costs less per month than doing nothing.
Your options
Ways to pay that make sense
$0-down solar loan
Finance your owned solar with no money down and a fixed monthly payment — often at or below your current electric bill. You keep every incentive (SMART, net metering, the state credit) because you own the system.
0% Mass Save HEAT Loan
For heat pumps and weatherization: 0% interest up to $25,000, terms up to 7 years (84 months). We handle the application as part of your project. Combined with rebates, it's the cheapest way to electrify your heating.
Cash purchase
Paying cash captures the fastest payback and the most lifetime value. We'll show you the numbers so you can compare cash vs. financing side by side, with no pressure either way.
Ownership vs. lease/PPA
Third-party ownership (lease/PPA) means little-to-no upfront cost but you give up incentives and long-term value. For most MA homeowners, ownership wins — but we'll show both honestly and let you decide.
Financing FAQ
Answers, straight up
Yes. Most Massachusetts homeowners start solar with no money down and finance the system so the monthly payment is at or below their old electric bill. We present $0-down options at your free assessment.
The Mass Save HEAT Loan offers 0% interest financing up to $25,000, with terms up to 7 years (84 months), for qualifying heat pump and weatherization work. Nexis handles the application as part of your project.
For most homeowners, ownership (cash or loan) captures the most value from Massachusetts incentives like SMART, net metering, and the $1,000 state credit — value you give up under a lease or PPA. We show ownership vs. third-party options honestly so you can decide what fits.
No — as long as you own the system (cash or loan), you keep all the ownership incentives. We file SMART, net metering, and Mass Save for you regardless of how you pay.
Ready when you are
See your monthly number
Book a free assessment and we'll show your options side by side — cash, $0-down loan, and the 0% HEAT Loan — with the incentives applied. No pressure.
