Finance & pay monthly
Can I get solar panels on finance or pay monthly?
Yes. Interest-free credit up to £30,000 is available, subject to status. You can spread the cost of solar panels, batteries, or a combined system over 2-5 years with no interest charges — making solar accessible without paying the full amount upfront.
How it works
How does solar panel finance work?
Interest-free credit lets you spread the cost of your solar installation over monthly payments with no interest. You get the system installed now and pay it off over 2-5 years.
Finance works simply: after your survey and written quote, you choose a repayment period that suits your budget. The system price is divided equally across the chosen number of months — there's no interest added, so the total you pay equals the quoted price. Subject to status and a credit check by the lender.
For example, a £6,200–£7,500 system spread over 36 months costs around £111 per month — and you're saving £400-£700 per year on electricity bills from day one. The savings partially offset the monthly payment, making solar more affordable than many households expect.
Finance applies to the full installation including solar panels, inverters, batteries and mounting systems. Your surveyor explains all finance options in your written no-obligation quote.
Typical costs
What do solar panels cost per month on finance?
Monthly payments depend on system size and repayment period. A 4kW system at £6,200–£7,500 over 36 months is around £111/month; over 60 months it's around £67/month.
| System | Total cost | 36 months | 60 months |
|---|---|---|---|
| 4kW solar | £6,200–£7,500 | ~£111/mo | ~£67/mo |
| 5-6kW solar | £8,000–£10,500 | ~£139/mo | ~£83/mo |
| Solar + battery | £6,200–£7,500 + battery | ~£194/mo | ~£117/mo |
Figures are illustrative. Actual monthly payments depend on the final system price, your chosen repayment period, and credit approval. Subject to status.
Eligibility
Who qualifies for solar panel finance?
Finance is subject to status and a credit check. There's no fixed minimum credit score — the lender assesses affordability based on your income and outgoings.
Interest-free credit is available to homeowners across Scotland. The lender conducts an affordability assessment as part of the application process. You don't need to own your home outright — a mortgage is fine, provided the property is suitable for solar.
If you're not sure whether you'll qualify, the best step is to request a no-obligation quote. Your surveyor can discuss finance options and check eligibility without any commitment.
Finance terms are provided by third-party lenders. Credit is subject to status and affordability. Terms and conditions apply.
Common questions
Frequently asked questions about solar finance
Can I get solar panels on finance in Scotland?
Yes. Interest-free credit up to £30,000 is available, subject to status. You can spread the cost over 2-5 years with no interest charges.
Do I need a deposit for solar panel finance?
Typically no deposit is required for interest-free credit, subject to status. Your surveyor confirms the terms in your written quote.
What credit score do I need for solar finance?
Finance is subject to status and credit checks. There is no fixed minimum score — the lender assesses affordability. Contact us to discuss your situation.
Can I pay off solar finance early?
Yes, you can usually settle the balance early. Check the specific terms in your finance agreement for any settlement conditions.
Is interest-free credit really 0%?
Yes — interest-free credit means you pay no interest. The total you repay equals the system price divided by the number of months. Subject to status.
Can I get finance for a battery too?
Yes. Finance covers solar panels, batteries, and combined systems. Interest-free credit up to £30,000 applies to the full installation, subject to status.
More answers at Scottish Energy Efficiency questions.
Last updated: 1 November 2026
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