Your Annual Percentage Rate (APR) may be higher based on credit qualifications. The range of APR is 6.25% to 8.00% . A sample payment on a 180-month loan at 6.25% is $8.58 per thousand financed, and a sample payment on a 180-month loan at 8.00% is $9.56 per thousand financed. Rates are current as of September 22, 2025 and are subject to change without notice.
Smart solar panel financing for Silicon Valley and beyond
If you’re adding EVs, running AC, or powering your home during peak hours, Star One can help you make a smart solar deal.
The whole shebang: 100% financing and solar loans up to $100,000 available
No running around town chasing down financing. Star One offers loans that are designed to cover your entire project.
By offering up to 100% financing with no money down, our solar loans allow you to swap your monthly electric bill for a monthly loan payment on a solar electric system—one which you could own at the end of the loan repayment period.
Best solar loan rates
Solar Loans
6.25% APR
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Solar Loan Payment Calculator
Star One solar loan rates are among the best solar loan rates around. Competitive fixed rates are offered on all solar loans.
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Electricity Bill Calculator
Calculate your potential savings with solar.
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How solar panel financing works at Star One
You’ve done your homework, and you’re ready to go solar.
Once you’ve decided on your solar installer, apply for your loan online. If you (and/or installer) prefer, get pre-approved first!
Upon approval, you’ll upload income documentation, a copy of the solar installment contract, and other required documentation. Star One will work with you and the provider to fund the solar loan once installation is confirmed. Easy, right?
When you take out a solar loan, you may be eligible for the federal solar tax credit**. Right now, that means a 30% credit.
If you choose to apply the solar tax credit to your solar loan, you can retain your same interest rate, keep your original loan term, and reduce monthly payments. No additional fees. That’s pretty sweet.
Learn more about the federal solar tax credit on energy.gov.
Go solar at home—and at your vacation home. Or your rental property. Star One can finance a solar-powered energy system for your investment or rental property, up to four units, in addition to your primary residence or second home.
Have an existing solar loan with another lender? Refinance with Star One to get our low rates and super friendly member service. (The term available for a refinance may be determined by the remaining term of the solar equipment warranty.)
We’re here to help you create power, not stuff our own pockets. Star One solar loans have no annual fee, no prepayment fee and no closing costs. With some lenders, extra solar loan fees can add 15% or more to the amount you need to borrow. Yikes. Glad you found us.
Your financial safeguard against the unexpected
Life can take some unexpected turns. That’s why there’s Debt Protection with Life Plus.
Financial Protection for the unexpected – protect the ones that matter most. Debt Protection with Life Plus could help your family’s financial situation against a variety of covered life events:
- Involuntary unemployment
- Disability
- Death
For additional protections, Life Plus can extend your Debt Protection to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances.
- Accidental dismemberment
- Terminal illness
- Hospitalization or family medical leave
- Death of a non-protected dependent
Things to know about Debt Protection with Life Plus
- It’s easy: Simple to apply for.
- It’s budget-friendly: Comfortably fits into your monthly payment.
- It puts you at ease: Rest easy, knowing you’re taken care of in so many problem situations.
Take an important step toward financial security.
Ask us about Debt Protection with Life Plus today.
Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply.
Please contact your loan representative or refer to the contract for a full explanation of the terms. You will receive the contract before you are required to pay for Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
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