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Solar Financing in Tucson

A Local Solar Company That Guides You Through Every Payment Option

Going solar is one of the more significant financial decisions a homeowner or business owner makes. The Solar Store has been helping Tucson and Southern Arizona clients navigate that decision since 1995. That’s more than 29 years of local installations backed by a team that includes NABCEP-certified installers and a registered professional engineer with an MS in solar energy and 26 years of experience. We don’t hand you off to a lender and step back. Financing guidance is part of every consultation.

We serve residential and commercial clients throughout Tucson, Southern Arizona, and Cochise County, and financing is available across the full range of solar services we offer, not just module installation. All work is performed in-house by our own employees, who complete a minimum of 36 hours of annual training. We hold an Enphase Gold Installer designation and an A+ rating with the BBB, where we’ve been a member since 1999.

Contact us today to discuss the financing options available for your solar installation, or give us a call at (520) 341-2286.

Solar Loan, Cash Purchase, or Lease: What’s the Difference?

Tucson homeowners evaluating solar financing typically weigh three paths. Each works differently, and the right choice depends on your financial situation, credit profile, and long-term goals.

Cash Purchase

Paying for a system outright produces the highest long-term return on investment. You own the system from day one, which means you qualify for available tax incentives, carry no monthly payment, and capture the full value of the electricity the system generates.

Solar Loan

A solar loan lets you own the system without deploying a large lump sum upfront. Ownership stays with you, so you retain access to Arizona’s state tax incentives. Monthly loan payments are often partially or fully offset by the reduction in your utility bill. Many solar loans require zero down payment, and some can be paid off early without penalty, though it’s worth confirming prepayment terms before signing. For homeowners who qualify, a loan can produce stronger long-term savings than a lease because you capture available incentives and build equity in the system.

Solar Lease

With a solar lease, the financing company owns the system and you pay a monthly fee to use the electricity it generates. This can be an accessible entry point for households that don’t qualify for a loan. Because you don’t own the system, you don’t qualify for the Arizona state solar tax credit. That benefit goes to the system owner. Understanding this distinction matters when comparing the true cost of each option over time.

Arizona Solar Incentives for Tucson Homeowners in 2026

Arizona maintains several incentives that reduce the effective cost of going solar. Because tax eligibility depends on your individual situation, consult a tax professional before making financial decisions based on these credits.

Arizona State Solar Tax Credit

Arizona offers a state solar tax credit equal to 25% of the cost of a solar energy system, capped at $1,000 per taxpayer over the lifetime of the credit. The credit applies against your Arizona state income tax liability. If the credit exceeds your liability in the year you file, the unused portion carries forward for up to five years. System ownership is required. Homeowners who lease their system don’t qualify because the financing company owns the equipment.

Property Tax Exemption

Under A.R.S. 42-11054, solar energy systems are exempt from property tax assessment in Arizona. A system that adds value to your home won’t increase your property tax bill. This exemption applies as long as you own the system, making it another reason ownership matters when comparing financing options.

Sales Tax Exemption

Arizona exempts solar energy equipment from the state Transaction Privilege Tax (the equivalent of sales tax), reducing the effective purchase price of the system at the time of installation.

A Note on the Federal Credit

The 30% federal Residential Clean Energy Credit (Section 25D) expired December 31, 2025. Residential installations completed in 2026 don’t qualify. If you installed in 2025, you can still claim the federal credit on your 2025 federal tax return. For installations going forward, Arizona’s state incentives are the right starting point for your planning.

Arizona’s solar access laws (A.R.S. 33-439 and A.R.S. 33-1816) also protect your right to install solar by nullifying HOA covenants that would otherwise restrict solar energy systems on your property.

Financing Tucson Solar Projects Through Energy Loan Network

Our lending partner for solar financing in Tucson is Energy Loan Network, a lender with more than 35 years of experience focused specifically on residential solar and energy efficiency loans. Working with a partner whose network is built around energy projects can mean more flexible terms than a standard personal loan or home equity product typically provides.

Loan amounts are available up to $150,000 with zero down payment required. There are no prepayment penalties and no property owners’ fees.

Energy Loan Network financing is designed to be accessible:

Flexible loan and payment terms. Applicants set terms to match their budget, so the monthly payment aligns with their financial situation rather than a fixed schedule.
Straightforward eligibility. A minimum credit score of 650 is required. Debt-to-income ratios up to 50% are accepted, and you don’t need equity in your home to apply.
Online application, available 24/7. The application is completed online at any time. Once approved, an agent reaches out directly to walk through next steps and answer questions.

Apply now to get the service and financing help you need today.

Start Your Solar Financing Conversation in Tucson

Whether you’re ready to apply or still comparing options, The Solar Store is the place to start. We serve Tucson, Southern Arizona, and Cochise County, and our free estimates cover grid-tie solar electric and solar thermal systems. Reach us through our online contact form or call (520) 341-2286 to talk through your options.

How the Financing & Installation Process Works at The Solar Store

One of the more confusing parts of going solar is understanding how the financing process connects to the installation process. We walk clients through both in a single consultation, so you’re not coordinating two separate timelines with two separate companies.

Here’s a plain-language overview of what the typical process looks like:

Consultation and system design. We assess your property, energy usage, and goals. Financing options come up here before any application is submitted.
Financing application. If you choose to finance through Energy Loan Network, the online application is available 24/7. We can help you understand what to expect during the process.
Loan approval. Once approved, an Energy Loan Network agent contacts you to confirm terms and answer questions before you commit.
Permitting and utility interconnection. We handle the permitting process and coordinate interconnection with your utility. This is required before a grid-tied system can operate.
Installation. All installation is performed in-house by our own employees. No subcontracting.
Inspection and activation. After the system passes inspection, it’s activated and we confirm everything is operating correctly.
Ongoing monitoring and maintenance. We offer service, monitoring and maintenance agreements after installation, so the relationship doesn’t end at activation.

Knowing the sequence ahead of time can help you align your financing terms with your project timeline and reduce surprises on either side of the process.

Trusted by Your Neighbors

Technically speaking in the solar electric realm, a module is a complete, environmentally-protected unit. A panel is a collection of modules that are mechanically fastened together. For solar thermal, the individual component is called a collector.
Silicon and rare metals such as gallium, indium, and selenium. The frames are made of extruded aluminum. The glazing is tempered low iron glass.
Estimates are free for grid-tie solar electric and solar thermal systems. There is a nominal charge for estimates for landscape lighting, radiant floor heating, and off-grid solar systems. Typically 50% of the fee is applied toward the final purchase.
Typical systems weigh 3 ½ to 4 pounds per square foot. Most structures built since 1930 can easily support the weight.
It stands for photovoltaic.

The Solar Store We are not just your solar company. We are your energy partner.

Why Make the Switch Solar? You can save energy, lower utility bills, and build a brighter future!

Contact The Solar Store Today

We Are Not Just Your Solar Company. We Are Your Energy Partner.

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Why Choose Us

29+ Years in Business
Since 1995, The Solar Store has been Southern Arizona's most experienced solar company — still here long after others have come and gone.
NABCEP-Certified Technicians
Our technicians hold NABCEP certifications and complete ongoing training on the latest solar products so your system is always in expert hands.
Customer Top-Rated
Homeowners across Southern Arizona trust us for honest assessments, quality installs, and real support — long after the job is done.
We Adopt & Modernize Your Existing System
If your original installer has gone out of business or gone dark, we'll take over your system, bring it up to standard, and keep it running.
Ongoing Service & Monitoring After Installation
We proactively monitor your system and reach out before you even know something's wrong — because a true energy partner doesn't disappear after install.
Incentives & Rebates Available
We'll help you navigate available federal tax credits, state incentives, and utility rebates to maximize your return on investment.