You bought solar panels with a loan — Mosaic, GoodLeap, PACE, or another lender. Now the payment is too high, the system doesn't perform, or you can't sell your home because of the debt.
We help homeowners challenge, reduce, and escape solar loans — using consumer protection law, TILA violations, and direct lender negotiation.
Tell us about your loan — we'll tell you your options.
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Most solar loan disputes involve one or more of these violations — and each one gives you legal leverage.
The Truth in Lending Act requires lenders to clearly disclose APR, total cost, and all fees. Many solar lenders bury dealer fees and origination costs, violating TILA. This can give you grounds to rescind the loan.
Solar installers often receive 'dealer fees' from lenders — sometimes 20–30% of the loan amount — without telling you. This inflates your loan balance and violates disclosure requirements.
Salespeople routinely promise specific monthly savings that never materialize. If the savings projections were materially false and you relied on them, this constitutes fraud or misrepresentation.
Most states have consumer protection laws that go beyond federal law. Deceptive solar sales practices often violate state UDAP (Unfair and Deceptive Acts and Practices) statutes, which can provide additional remedies.
For loans secured by your home, federal law requires a 3-day right to cancel. Many solar lenders fail to properly provide this notice — which can extend your rescission rights significantly.
If your solar system was sold based on projected production numbers that were knowingly inflated, this may constitute fraud — especially if the installer had access to accurate data and chose to misrepresent it.
Each solar lender has known patterns of complaints and violations. Here's what we've seen.
One of the most common solar lenders. Known for dealer fee issues.
Formerly Loanpal. Rebranded but same loan products.
Now operating as Pineapple Energy. Transition caused many issues.
Wells Fargo backed. Primarily used by HVAC/solar installers.
Subject to FTC action for deceptive practices. Now Goldman Sachs portfolio.
Most problematic loan type. Creates a lien that supersedes your mortgage.
Depending on your situation, one or more of these paths may be available to you.
If legal violations exist in your loan origination, we may be able to challenge the loan entirely — reducing or eliminating the balance.
We negotiate directly with your lender for a settlement below the full balance — especially effective when you're selling your home.
If your interest rate was misrepresented or is unconscionably high, we work to get it modified to a fair rate through negotiation or legal action.
For PACE and secured loans, we work to remove the lien from your title so you can sell or refinance without the solar debt blocking the deal.
Answer 5 quick questions to see what options are available for your solar loan.
Select the option that best describes your situation
Most homeowners don't know what's in their loan documents. A free review takes 15 minutes and could save you thousands — or get you out entirely.