Solar finance calculator

Compare monthly payments and total costs for solar panels and batteries.

Offers checked 24 October 2026. Figures are estimates, not quotes; each provider decides eligibility.

Your quote

Total from your installer’s quote

Provider minimums still apply

Hides offers without a term in range

No quote yet? Try £6,000, £10,000, £15,000.

Filters
Existing mortgage or bank account (some offers are for existing customers only)

Finance options

39 offers

Reset
Type of finance

Enter a cash price to calculate monthly payments and totals.

0% finance

No interest, but deposits, short terms or equipment rules often apply.

Nationwide

Green Additional Borrowing

Worth checking

Rate
0% for the fixed period
Term
2 or 5-year fixed 0% period
Deposit
You choose how much to borrow; no deposit is set.
Monthly
—
Total payable
—
  • Secured on your home
  • 0% only for the fixed period

Your assumption. Nationwide’s example uses its 6.49% variable rate; clear it to see the 0% period only. Only the 10-year term is published.

Details and source

0% for an initial two- or five-year fixed period on extra mortgage borrowing for green home improvements.

Security
Secured on your home
Ownership
You own it from day one
Borrowing limits
£5,000 to £20,000
Lender or broker
Nationwide Building Society
Against your filters
  • Check: Needs a Nationwide mortgage
Conditions
  • Existing Nationwide-branded mortgage with at least one monthly payment made.
  • Existing mortgage plus this borrowing no more than 90% of your home's value.
  • All of the borrowing must be spent on eligible energy-efficient improvements; essential work such as scaffolding can count.
  • One Green Additional Borrowing loan per property. It cannot pay for finished work or refinance other credit used for the works.
  • No product fee.
Check before applying
  • This is a mortgage secured on your home, not an unsecured 0% loan.
  • Only the fixed period is 0%. Any balance left then moves to Nationwide's mortgage rate unless you switch.
Provider’s published example

A mortgage of £14,228.62 over a term of 10 years on an initial 5 Year Fixed Rate (green purposes only) at 0% (fixed) would require 60 monthly payments of £118.57 and 60 monthly payments of £139.17 based on our Standard Mortgage Rate, currently 6.49% (variable). The total amount payable would be £15,457.77 made up of the loan amount plus interest (£1,229.15), product fee (£0.00) and valuation fee (£0.00). The overall cost for comparison is 1.6% APRC Representative.

Source

BOXT

0% APR up to 24 months

Rate
0% APR
Term
up to 24 months
Deposit
Up to 50%
Monthly
—
Total payable
—
Details and source

0% APR for up to 24 months on solar-and-battery packages.

Security
Unsecured
Ownership
Ownership terms not published
Lender or broker
HomeServe Finance (Propensio on some plans)
Check before applying
  • The example is one specific package, not the monthly price for every home.
Provider’s published example

Example repayments from £183.53 per month, based on a 25% deposit and 0% interest over 24 months, for a four-panel solar system with a Sunsynk battery, including installation.

Source

Development Bank of Wales

Green Homes Wales interest-free loan

Rate
0% APR
Illustrative term; provider confirms
Deposit
You choose how much to borrow; no deposit is set.
Monthly
—
Total payable
—
Details and source

Interest-free unsecured loans of £1,000 to £25,000 for Welsh homeowners, normally repaid over up to ten years.

Security
Unsecured
Ownership
You own it from day one
Borrowing limits
£1,000 to £25,000
Lender or broker
Development Bank of Wales (Welsh Government scheme)
Equipment
Solar PV with battery storage is a listed measure; the scheme assessment decides which measures it funds.
Conditions
  • Owner-occupied main home in Wales. Landlords cannot currently apply.
  • A funded Retrofit Coordinator assesses the home; affordability and scheme standards apply.
  • Some properties are excluded, including listed buildings at present.
  • Register interest first. Applications go out as funding allows, and there may be a waiting list.
  • Repayments start after a six-month upfront repayment holiday.
Check before applying
  • How the six-month holiday interacts with the term is set in your loan offer.
Source

E.ON Next

0% APR finance for up to 2 years

Rate
0% APR
Term
up to 2 years
Deposit
Not published
Monthly
—
Total payable
—
Details and source

0% APR for up to two years on solar installations, through HomeServe Finance.

Security
Unsecured
Ownership
Ownership terms not published
Lender or broker
HomeServe Finance (E.ON acts as broker)
Equipment
The payment page discusses adding a battery; confirm the 0% plan covers it.
Conditions
  • Aged 21 or over and under 79 when the agreement ends; named owner of the property.
  • Three years' continuous UK address history; individual income of at least £12,000; Direct Debit.
  • Credit and affordability checks apply.
Check before applying
  • Older search results advertise three years. The current payment page says two.
  • The 25% / 50% / 25% staged cash payment is a separate option and does not set a finance deposit.
Source

Greentech Renewables

0% APR for 12 or 24 months

Rate
0% APR
Deposit
Not published
Monthly
—
Total payable
—
Details and source

0% APR for one or two years on solar panels, battery storage and heat pumps, through Ideal4Finance.

Security
Unsecured
Ownership
Ownership terms not published
Lender or broker
Ideal4Finance (broker)
Check before applying
  • A Manchester marketing page claims 12 to 60 months interest-free. The finance page says one or two years, so five years at 0% is not listed here.
Source

REST UK

0% APR over 12 to 24 months

Rate
0% APR
Deposit
Not published
Monthly
—
Total payable
—
Details and source

0% APR over 12 to 24 months from a solar, battery and EV installer covering England and Wales.

Security
Unsecured
Ownership
Ownership terms not published
Equipment
Exact equipment eligibility needs a quote.
Source

So Energy

0% finance over 3 years

Rate
0% APR
Term
3 years
Deposit
Not published
Monthly
—
Total payable
—
Details and source

0% finance over three years on selected products, including solar-and-battery packages.

Security
Unsecured
Ownership
Ownership terms not published
Conditions
  • Selected products only; confirm your package qualifies in the written quote.
Check before applying
  • So Energy's "from £75 a month" plan is Hometree's Solar Plan, a different product with yearly price rises.
Source

Solar Select

0% APR over 3 to 24 months

Rate
0% APR
Deposit
Not published
Monthly
—
Total payable
—
Details and source

0% APR over 3, 6, 12 or 24 months through Ideal4Finance, with solar-and-battery and battery-only prices.

Security
Unsecured
Ownership
Ownership terms not published
Lender or broker
Ideal4Finance (broker)
Source

UK Energy Management

0% interest-free credit

Rate
0% APR
Deposit
25% minimum
Monthly
—
Total payable
—
Details and source

0% over 12 to 24 months with a 25% deposit on solar panels and battery storage.

Security
Unsecured
Ownership
You own it from day one
Borrowing limits
£1,000 to £25,000
Lender or broker
Introduced through Shermin Finance (STAX), a broker
Conditions
  • Minimum financed balance £1,000; maximum loan £25,000.
  • Personal finance, not a roof lease. The loan stays with you if you sell.
Source

Go Green Solar Group

0% APR over 6 or 12 months

Conditions apply

Rate
0% APR
Deposit
Not published
Monthly
—
Total payable
—
Details and source

0% APR over 6 or 12 months; household eligibility and battery inclusion need confirming.

Security
Unsecured
Ownership
Ownership terms not published
Equipment
The page also covers commercial finance; confirm the household plan and battery inclusion.
Source

Now EV

0% APR over 6 or 12 months

Conditions apply

Rate
0% APR
Deposit
Not published
Monthly
—
Total payable
—
Details and source

0% APR over 6 or 12 months through Ideal4Finance; battery inclusion needs confirming.

Security
Unsecured
Ownership
Ownership terms not published
Lender or broker
Ideal4Finance (broker)
Equipment
The finance page does not say whether a battery can be included.
Source

OVO Solar & Heating

0% APR over 24 months

Conditions apply

Rate
0% APR
Term
2 years
Deposit
From £250, up to 25%
Monthly
—
Total payable
—
  • 0% only with a Sig battery
Details and source

0% APR over two years through Tandem Bank when the package includes a Sig battery.

Security
Unsecured
Ownership
Ownership terms not published
Lender or broker
Tandem Bank (OVO acts as broker)
Equipment
OVO's calculator says 0% applies "when paired with any Sig battery".
Conditions
  • Finance is not guaranteed and is subject to eligibility.
Check before applying
  • Other OVO pages mention JA or Trina panels. Confirm the qualifying panel-and-battery combination in the written quote.
  • Old OVO / HSBC three-year 0% launch stories are not the current offer.
Source

Solar Armour

0% APR over 12 or 24 months

Conditions apply

Rate
0% APR
Deposit
Not published
Monthly
—
Total payable
—
Details and source

0% APR over 12 or 24 months through Ideal4Finance; battery inclusion needs confirming.

Security
Unsecured
Ownership
Ownership terms not published
Lender or broker
Ideal4Finance (broker)
Equipment
The finance page does not say whether a battery can be included.
Source

Fixed-rate loans

Interest included. Estimated from each published rate.

Lendology CIC with Suffolk councils

Suffolk home energy loan

Rate
2% fixed (2.2% APR)
Illustrative term; provider confirms
Deposit
You choose how much to borrow; no deposit is set.
Monthly
—
Total payable
—
  • Title restriction on your home
Details and source

£2,000 to £15,000 over up to seven years at 2% fixed interest (2.2% APR representative) for Suffolk homeowners.

Security
Title restriction on your home
Ownership
You own it from day one
Borrowing limits
£2,000 to £15,000
Lender or broker
Lendology CIC
Conditions
  • Affordability and credit checks; two quotes for each element of work.
  • A post-installation EPC and completion evidence are needed.
  • No early repayment charge; overpayments allowed.
Check before applying
  • Usually protected by a title restriction. Lendology says it is not a mortgage, but selling may need its permission or repayment.
  • The 2024 launch and many council articles describe 0% interest. The current product page does not.
  • Other Lendology council schemes have different rates and rules.
Provider’s published example

Representative Example (2% fixed interest rate, Representative 2.2% APR). Borrow £5,000 over 60 months, £87.64 monthly repayments. Total amount repayable = £5,278.33, including a £20 Land Registry fee.

Source

Octopus Energy

Zopa Bank loan at 4.9% APR

Rate
4.9% APR
Deposit
From £500
Monthly
—
Total payable
—
Details and source

4.9% APR over 3, 5, 7 or 10 years through Zopa Bank for solar panels and/or a home battery.

Security
Unsecured
Ownership
Ownership terms not published
Lender or broker
Zopa Bank
Check before applying
  • The £500 installation deposit is non-refundable; confirm how the finance agreement treats it.
  • Search indexes still show older DivideBuy terms (4.9% for two or three years, 9.9% for longer). The live article says 4.9% for all four terms; get a written quote.
Source

Wickes Solar

Pay monthly at 6.9% APR representative

Rate
6.9% APR
Deposit
None required, up to 25%
Monthly
—
Total payable
—
Details and source

Unsecured solar finance at 6.9% APR representative over 60, 120 or 180 months, with a 0–25% deposit.

Security
Unsecured
Ownership
Ownership terms not published
Borrowing limits
£1,000 to £25,000
Lender or broker
Creation
Equipment
The page is framed as solar finance; confirm the whole panel-and-battery package is in the financed price.
Conditions
  • UK homeowner aged 18 or over, usually no older than 85 at the end of the term.
  • Three years' UK residency, a Direct Debit bank account, status and affordability.
  • Overpayments allowed; no early repayment penalties.
Check before applying
  • The FAQ mentions a six-month deferred option; get its interest terms in writing.
Source

Hive (British Gas)

Zopa Bank solar loan

Rate
8.9% APR
Term
5 years in the published example
Deposit
Not published
Monthly
—
Total payable
—
Details and source

Hive introduces customers to Zopa Bank; its published example is 8.9% APR over five years with no fees.

Security
Unsecured
Ownership
Ownership terms not published
Lender or broker
Zopa Bank (Hive is an appointed representative)
Conditions
  • Installation partners named by Hive are Greener Energy Group, Infinity Renewables and Glow Green; match the finance route to your installer.
Check before applying
  • Only one term is published, in the representative example; other terms may be offered on application.
  • Hive Solar Saver is a 25% discount on qualifying electricity unit rates for 12 months, with exclusions. It is not finance or money off the installation.
Provider’s published example

Borrowing £10,000 over 60 months with a representative 8.9% APR (fixed) would cost £205.44 per month. The total amount repayable would be £12,326.22, including £2,326.22 interest. Total amount of credit: £10,000. No fees apply.

Source

REST UK

8.9% APR over 36 to 60 months

Rate
8.9% APR
Illustrative term; provider confirms
Deposit
Not published
Monthly
—
Total payable
—
Details and source

8.9% APR representative over 36 to 60 months; longer terms up to 240 months are advertised without a confirmed rate.

Security
Unsecured
Ownership
Ownership terms not published
Equipment
Exact equipment eligibility needs a quote.
Check before applying
  • Extended terms up to 240 months are advertised; their rate is not confirmed, so they are not estimated here.
Source

OVO Solar & Heating

Tandem Bank loan at 9.5% APR

Rate
9.5% APR
Deposit
From £250, up to 25%
Monthly
—
Total payable
—
Details and source

9.5% APR representative over 5, 10 or 20 years through Tandem Bank.

Security
Unsecured
Ownership
Ownership terms not published
Lender or broker
Tandem Bank (OVO acts as broker)
Provider’s published example

Representative example if the total installation cost was £10,000: Total order value: £10,000. Loan duration: 10 years. Upfront deposit: £500. Total amount of credit: £9,500. Representative APR: 9.5%. Rate of interest: 9.1% (fixed). Total cost of credit: £5,008.83. Total amount payable: £15,008.83. Monthly payment: £120.91.

Source

Good Energy

Solar finance at 9.9% APR representative

Rate
9.9% APR
Deposit
25% minimum, capped at £5,000
Monthly
—
Total payable
—
Details and source

9.9% APR over 5, 7, 8 or 10 years through Zopa Bank, with a 25% deposit capped at £5,000.

Security
Unsecured
Ownership
You own it from day one
Lender or broker
Zopa Bank
Equipment
Finance covers full solar or solar-and-battery installations only, not battery-only.
Check before applying
  • The £6,930 example is a solar-only system, not a solar-and-battery price.
Provider’s published example

Cash price £6,930; 25% deposit £1,732.50; loan amount £5,197.50; 120 monthly payments of £67.19; annual interest rate 9.9% fixed, 9.9%APR representative; total charge for credit £2,865.30; total amount payable £9,795.30.

Source

UK Energy Management

Pay monthly at 9.9% APR representative

Rate
9.9% APR
Illustrative term; provider confirms
Deposit
None required
Monthly
—
Total payable
—
Details and source

9.9% APR representative for up to 15 years with no deposit required.

Security
Unsecured
Ownership
You own it from day one
Borrowing limits
Up to £25,000
Lender or broker
Introduced through Shermin Finance (STAX), a broker
Source

Solar Select

10.9% APR five-year example

Rate
10.9% APR
Term
5 years in the published example
Deposit
Not published
Monthly
—
Total payable
—
Details and source

A five-year example at 10.9% APR, separate from the 0% plans.

Security
Unsecured
Ownership
Ownership terms not published
Lender or broker
Ideal4Finance (broker)
Check before applying
  • The example's "total amount payable" appears to leave out its stated deposit. Rely on the lender's full cash price, credit and total payable disclosure.
Source

Now EV

9.99% APR over 24 to 48 months

Conditions apply

Rate
9.99% APR
Deposit
Not published
Monthly
—
Total payable
—
Details and source

9.99% APR over 24, 36 or 48 months; battery inclusion needs confirming.

Security
Unsecured
Ownership
Ownership terms not published
Lender or broker
Ideal4Finance (broker)
Source

Solar Armour

12.9% APR over 48 to 120 months

Conditions apply

Rate
12.9% APR
Deposit
Not published
Monthly
—
Total payable
—
Details and source

12.9% APR over 48, 60 or 120 months; battery inclusion needs confirming.

Security
Unsecured
Ownership
Ownership terms not published
Lender or broker
Ideal4Finance (broker)
Source

Go Green Solar Group

14.99% APR over 24 to 60 months

Conditions apply

Rate
14.99% APR
Illustrative term; provider confirms
Deposit
Not published
Monthly
—
Total payable
—
Details and source

14.99% APR over 24 to 60 months; household eligibility and battery inclusion need confirming.

Security
Unsecured
Ownership
Ownership terms not published
Source

Greentech Renewables

Longer finance, 12.9% APR example

Quote only

Rate
12.9% APR in an example
Term
—
Deposit
Not published
Monthly
—
Total payable
—
  • No rate and term are published, so there is nothing to estimate.
Details and source

Longer-term finance is offered; the published example uses 12.9% APR, but its terms are not listed.

Security
Unsecured
Ownership
Ownership terms not published
Lender or broker
Ideal4Finance (broker)
Source

Plans with servicing

Payments include servicing, so not like-for-like with a loan.

Sunsave

Sunsave Plus

Rate
8.6% APR in the example
Term
20 years in the published example
Deposit
£0 deposit
Monthly
£69 × 240 in its example
Total payable
£16,560 example, includes £2,763 servicing
  • Representative example only, not a quote for your system
Details and source

Solar and battery with £0 deposit, fixed monthly payments that include monitoring and maintenance, and ownership from day one.

Loan
£8,063
Interest
£5,734
Monitoring and maintenance
£2,763
Total repayable
£16,560
Security
Unsecured
Ownership
You own it from day one
Lender or broker
Sunsave Energy Limited (Sunsave UK Limited acts as broker)
Conditions
  • Aged 18 to 65, UK resident, owner of the property; affordability is assessed with a soft credit check.
  • A joint application is possible if at least one applicant meets the criteria.
  • {"Moving home" => "settle the balance from the sale, or transfer the contract to a buyer who passes checks."}
  • Overpayments and early repayment are advertised without penalties.
Check before applying
  • Not interest-free and not a cancellable monthly service. £69 is an entry-level example, not a quote for every home.
Provider’s published example

Representative example: 240 monthly instalments of £69. 8.6% representative APR. Based on a loan of £8,063 at a fixed interest rate of 5.9% per year. Each instalment consists of £57 loan repayment plus £12 monitoring and maintenance fee. Total amount repayable: £16,560 (includes £5,734 interest and £2,763 monitoring and maintenance fee).

Also offered through
  • Hive (British Gas): Hive refers customers to Sunsave for a fixed fee that does not change what you pay. Same product and representative example.
Source

Hometree Finance

Solar Plan

Rate
From £75 a month, rising 2.5% a year
Term
5 to 25 years
Deposit
£0-upfront options advertised
Monthly
£75 rising to £119.90 in year 20
Total payable
£22,990.44 over 20 years from your starting payment
  • Payments rise 2.5% a year
  • Includes servicing; ownership and exit terms not published

Your assumption: Hometree Finance advertises “from £75”. Your quote sets the real starting payment.

Details and source

Installation, monitoring and repairs from about £75 a month over 5 to 25 years, with payments rising 2.5% every year.

Payments rising 2.5% a year from £75
YearMonthlyYear total
1£75.00£900.00
2£76.88£922.56
3£78.80£945.60
4£80.77£969.24
5£82.79£993.48
6£84.86£1,018.32
7£86.98£1,043.76
8£89.15£1,069.80
9£91.38£1,096.56
10£93.66£1,123.92
11£96.01£1,152.12
12£98.41£1,180.92
13£100.87£1,210.44
14£103.39£1,240.68
15£105.97£1,271.64
16£108.62£1,303.44
17£111.34£1,336.08
18£114.12£1,369.44
19£116.97£1,403.64
20£119.90£1,438.80
Total£22,990.44
Security
Long-term plan agreement
Ownership
Ownership terms not published
Conditions
  • £0-upfront options; equipment inspections and repairs included for the plan's lifetime, with no call-out fee or excess.
  • Subject to application, status and finance agreement. Late payment fees may apply.
Check before applying
  • Monthly payments are subject to an annual increase of 2.5%, so the starting price is not fixed.
  • Ownership transfer, exit, home-sale and total-payment terms are not published. Ask for them before signing.
  • Partner marketing (So Energy, installers) can differ from Hometree's own terms.
Provider’s published example

Our zero-deposit, all-inclusive installation, monitoring and repair package starts from £75 a month*. … Monthly payments are subject to an annual increase of 2.5%.

Also offered through
Source

REST UK

Use now, own later

Quote only

Rate
Not published
Term
—
Deposit
Not published
Monthly
—
Total payable
—
  • No rate and term are published, so there is nothing to estimate.
Details and source

A no-upfront-cost lease-to-buy route up to 300 months; you own the system after the final payment.

Security
Long-term plan agreement
Ownership
You own it after the final payment
Check before applying
  • No rate or monthly schedule is published. Ask for the total payable and early-exit terms.
Source

Bank cashback and discounts

Separate from finance. Never deducted from a total.

Barclays

Greener Home Reward

Worth checking

Reward
£500, once
Term
—
Deposit
—
Monthly
—
Total payable
Not a loan
  • A reward or discount, not finance. It is never deducted from the totals here.
Details and source

A one-time £500 reward for solar PV, solar battery storage or solar thermal for eligible residential mortgage customers.

Against your filters
  • Check: Needs a Barclays mortgage
Conditions
  • MCS certificate and installer documents needed; claim within three months of the MCS certificate.
  • One reward, not £500 per component.
Check before applying
  • Not automatically combinable with installer finance or other rewards. Confirm both sets of terms.
Source

Barclays

Greener Home personal loan cashback

Worth checking

Reward
£50 (loans up to £1,999), £100 (£2,000–£4,999), £250 (£5,000 or more)
Term
—
Deposit
—
Monthly
—
Total payable
Not a loan
  • A reward or discount, not finance. It is never deducted from the totals here.
Details and source

An ordinary personal loan of £1,000 to £50,000 over 2 to 5 years at a personalised rate, with £50 to £250 cashback.

Security
Unsecured
Ownership
You own it from day one
Borrowing limits
£1,000 to £50,000
Against your filters
  • Check: Needs a Barclays current account
Conditions
  • Barclays current-account customer; at least 90% of the loan spent on eligible works, including panels and storage.
  • Invoices within six months.
Check before applying
  • The rate is personalised, not subsidised 0% credit, so no estimate is shown.
Source

Halifax

Green Living Reward

Worth checking

Reward
£1,000 cashback, once
Term
—
Deposit
—
Monthly
—
Total payable
Not a loan
  • A reward or discount, not finance. It is never deducted from the totals here.
Details and source

£1,000 cashback for rooftop solar panels or a non-portable battery for qualifying mortgage customers.

Against your filters
  • Check: Needs a Halifax mortgage
Conditions
  • One reward per claim, £1,000 for solar panels or a non-portable battery, not £1,000 each.
  • An optional free EPC is offered after a successful claim.
Check before applying
  • Not every existing mortgage qualifies; exclusions apply.
  • Not automatically combinable with installer finance or other rewards. Confirm both sets of terms.
Source

Santander with Octopus Energy

5% off solar and batteries

Worth checking

Reward
5% discount through Santander's partner route
Term
—
Deposit
—
Monthly
—
Total payable
Not a loan
  • A reward or discount, not finance. It is never deducted from the totals here.
Details and source

5% off solar, batteries and air-source heat pumps from Octopus for eligible Santander customers.

Against your filters
  • Check: Needs a Santander mortgage or current account
Conditions
  • Santander mortgage or personal current account; business accounts, cahoot and Cater Allen are excluded.
  • Use Santander's partner link to Octopus.
Check before applying
  • Older articles about £1,000 / £500 / £250 cashback do not describe the current offer.
  • Not automatically combinable with other offers. Confirm both sets of terms.
Source

Lloyds Bank

Eco Home Reward

Conditions apply Worth checking

Reward
£500 for other qualifying improvements; solar award to be confirmed
Term
—
Deposit
—
Monthly
—
Total payable
Not a loan
  • A reward or discount, not finance. It is never deducted from the totals here.
Details and source

Lists £2,000 for heat pumps and £500 for other qualifying improvements; no separate solar or battery tier is shown.

Equipment
Solar appears elsewhere as an example improvement; confirm the exact award with Lloyds.
Against your filters
  • Check: Needs a Lloyds mortgage
Conditions
  • Mortgage, new deal or additional borrowing completed within 12 months; one improvement per qualifying mortgage event.
Check before applying
  • Do not assume Halifax's £1,000 solar tier applies at Lloyds.
Source

Grants

Not a loan. Depends on your household and a council survey.

GOV.UK and local councils

Warm Homes: Local Grant

Rate
Not published
Term
—
Deposit
Not published
Monthly
—
Total payable
—
  • No rate and term are published, so there is nothing to estimate.
Details and source

Council-delivered grants, not loans, for qualifying privately owned homes in England rated EPC D to G.

Ownership
You own it from day one
Equipment
Solar is included; whether a battery is part of the package depends on the council survey.
Conditions
  • Household income usually £36,000 or less; postcode and benefit routes exist for some other households.
  • A council survey and available funding decide which improvements are offered.
Source

Landlord and business routes

For rented homes and business premises.

Home Energy Scotland

Private Rented Sector Landlord Loan (up to 5 properties)

Rate
0% interest
Illustrative term; provider confirms
Deposit
You choose how much to borrow; no deposit is set.
Monthly
—
Total payable
—
Details and source

0% interest for Scottish landlords with up to five properties, repaid over up to eight years, with a capped admin fee.

Security
Security not published
Ownership
You own it from day one
Borrowing limits
Up to £38,500
Lender or broker
Scottish Government-funded scheme
Equipment
Storage is funded only as part of a qualifying package of measures with scheme approval.
Conditions
  • Registered private rental property in Scotland, occupied or due to be within 30 days of payment.
  • Not holiday lets, second homes, new builds or self-builds.
  • Up to £38,500 per property and £100,000 across the portfolio; measures must be recommended in an energy report.
  • A written funding offer is needed before work starts; complete within 12 months.
  • Individuals or businesses that own privately rented property can apply.
Check before applying
  • The admin fee is 1.5% of the loan, capped at £250, and is added to the loan value and repaid with it.
Source

Home Energy Scotland

Private Rented Sector Landlord Loan (6+ properties)

Rate
3.5% APR
Illustrative term; provider confirms
Deposit
You choose how much to borrow; no deposit is set.
Monthly
—
Total payable
—
Details and source

3.5% APR for Scottish landlords with more than five properties, over up to eight years.

Security
Security not published
Ownership
You own it from day one
Borrowing limits
Up to £38,500
Lender or broker
Scottish Government-funded scheme
Equipment
Storage is funded only as part of a qualifying package of measures with scheme approval.
Conditions
  • Same property and approval rules as the smaller-portfolio loan; up to £250,000 across the portfolio.
Check before applying
  • The APR already reflects charges, so the admin fee is not added again.
Source

British Gas Business with HDM Energy

Fixed Solar Saver

Rate
Not published
Term
—
Deposit
Not published
Monthly
—
Total payable
—
  • No rate and term are published, so there is nothing to estimate.
Details and source

On-site solar and battery for businesses using over 30,000 kWh a year, with no upfront investment.

Security
Long-term plan agreement
Ownership
A finance partner owns the equipment
Conditions
  • {"Two contracts" => "electricity supply (usually around two years) and a solar agreement (typically around 15 years)."}
  • End-of-term purchase may be available.
Check before applying
  • A power purchase or service arrangement, not a free system or a household loan. "Up to 20% cheaper" depends on site modelling.
Source

EDF

Battery-as-a-Service

Quote only

Rate
Not published
Term
—
Deposit
Not published
Monthly
—
Total payable
—
  • No rate and term are published, so there is nothing to estimate.
Details and source

A fully financed, managed battery for large businesses that can be combined with on-site solar.

Security
Long-term plan agreement
Ownership
A finance partner owns the equipment
Check before applying
  • A financial partner owns the battery; pricing and site terms are bespoke. Not a retail APR product.
Source
Leads to check before relying on them (12)

Mentioned by a provider or in search results without terms we could verify. Not estimated or compared; ask for a written quote.

  • BOXT 9.9% APR plans and six-month buy now, pay later

    Terms only in a quote

    9.9% APR with up to 180 payments, and a six-month buy-now-pay-later route, appear on the solar page; the finance page lists fewer terms.

    Confirm the exact term and any deferred interest in the quote.

    BOXT solar (opens in a new tab) · BOXT solar finance FAQs (opens in a new tab) · checked 24 Oct 2026

  • Power NI Selected 0% or low-interest finance

    Terms only in a quote

    Says panels, batteries or both can be financed with selected 0% or low-interest offers, without a published rate, term or deposit.

    Power NI grants and funding guide (opens in a new tab) · checked 24 Oct 2026

  • Heatable Buy now, pay later solar

    Not verified

    Indexed page describes no deposit, 12 months payment-free, then 120 months at 11.9% APR; the site blocked direct checking.

    Ask about interest during the deferred period and the exact settlement deadline. The 0% headline is not verified across the full term.

    Heatable buy now pay later (search index) (opens in a new tab) · search result 24 Oct 2026

  • Glow Green 0% solar finance claim

    Not verified

    Indexed solar page advertises 0% finance; term and deposit could not be verified because direct access was blocked.

    An "up to four years 0%" company-profile claim may relate to boilers. Glow Green is also one of Hive's named installers.

    Glow Green solar (search index) (opens in a new tab) · search result 24 Oct 2026

  • Effective Home Solar finance and Energy Shield

    Not verified

    Indexed finance page gives 10.9% APR with a five-year example; its Energy Shield PPA uses 2024 price assumptions.

    Effective Home solar finance (search index) (opens in a new tab) · Effective Home Energy Shield (search index) (opens in a new tab) · search result 24 Oct 2026

  • Project Solar UK Fixed monthly finance and low-deposit lease

    Terms only in a quote

    Offers fixed-monthly finance and a low-deposit fixed-monthly lease for solar and battery, without a public rate or term schedule.

    Project Solar UK (opens in a new tab) · checked 24 Oct 2026

  • Otovo Solar subscription

    Not verified

    Indexed material discusses a subscription with a 20-year installation warranty; UK price, term and availability were not established.

    Otovo solar panels (search index) (opens in a new tab) · search result 24 Oct 2026

  • Soly (IKEA route) Solar finance mention

    Not verified

    Finance is mentioned in third-party coverage, with no verified public APR or term.

    IKEA's general credit-card representative APR is not a Soly solar finance offer.

    Third-party coverage only; no provider page to link.

  • Make Green Energy 0% over five years claim

    Not verified

    Search results advertise 0% over five years and Hometree options; the live page showed no terms.

    Do not borrow Hometree terms from partner marketing.

    Make Green Energy finance (opens in a new tab) · checked 24 Oct 2026

  • YEERS 0% for two to five years claim

    Contradictory claims

    A blog claims 0% for two to five years, but the live finance page describes 6–10% APR green personal loans.

    YEERS finance (opens in a new tab) · YEERS blog (opens in a new tab) · checked 24 Oct 2026

  • Lloyds Bank Energy-efficient home loan page

    Not a solar finance offer

    Routes to an ordinary personalised home-improvement loan, not a special solar rate.

    Lloyds energy-efficient home loan (opens in a new tab) · checked 24 Oct 2026

  • Santander Green improvements borrowing page

    Not a solar finance offer

    Describes normal personal loans and additional mortgage borrowing, not a special solar rate.

    Santander green improvements (opens in a new tab) · checked 24 Oct 2026

Closed, announced or not for standard solar + battery (5)

Closed, only announced, or not for standard solar and battery. Listed so you can rule them out.

  • Home Energy Scotland Grant and loan for homeowners

    Not a solar finance offer

    Current measures list solar thermal and PV-T hybrid panels, not ordinary rooftop solar PV with a home battery.

    Older £6,000 / £5,000 solar and storage loan claims do not apply to new standard installations.

    Home Energy Scotland grant and loan (opens in a new tab) · checked 24 Oct 2026

  • UK Government Warm Homes Plan consumer loans

    Announced, not open

    Low- and zero-interest loans for solar, batteries and heat pumps have been announced, but no live national application with settled terms was found.

    Installer claims of April 2027 terms or £5,000–£15,000 limits were not confirmed by government pages.

    Government announcement (opens in a new tab) · Warm Homes Plan (opens in a new tab) · checked 24 Oct 2026

  • Northern Ireland schemes Toasty Homes and Priority PV

    Closed

    Power NI says 2026/27 Toasty Homes funding and its waiting list are full; Priority PV support is highly targeted.

    NISEP and export payments are not a general zero-interest solar loan.

    Power NI grants and funding guide (opens in a new tab) · checked 24 Oct 2026

  • Egg / Cracking Energy Solar loans

    Closed

    Phoenix Renewables / Cracking Energy no longer runs a direct-to-consumer residential business or writes new loans.

    Cracking Energy (opens in a new tab) · checked 24 Oct 2026

  • OVO with HSBC Three-year 0% Flexipay (historic)

    Closed

    Old launch stories describe three-year 0% finance; OVO's current finance is the Tandem Bank route above.

    OVO solar finance (current) (opens in a new tab) · checked 24 Oct 2026

About these figures

How the figures are calculated
  • Amount borrowed is the cash price minus your deposit. A published minimum deposit is applied; where none is published, your deposit is used and flagged.
  • 0% offers divide the amount borrowed by the months, rounded down to the penny, with the last payment carrying the difference.
  • APR-only offers use the monthly equivalent of the APR. This matches the monthly payments in Zopa’s, Tandem’s and Good Energy’s published examples; totals can differ by pence. Fees already inside an APR are not added again.
  • Stated fees, such as Lendology’s £20 Land Registry fee, are added once.
  • Nationwide is 0% only for the fixed period. The balance left is shown; a lifetime total needs a rate you enter.
  • Hometree rises 2.5% a year from the starting payment you enter. Sunsave shows its published example only.
  • Cashback and discounts are never deducted or combined with another offer.
  • Offers are listed by type of finance, then rate. There is no ranking score, and filters show what may suit you, not what you would be approved for.

Related: solar savings calculator, solar grants, solar panel costs, find installers.

Sources (50), checked 24 October 2026

Survey of published UK offers, not every installer’s finance. Terms can change without notice.