Question 1

What's the difference between the prepaid lease and Enfin financing?

Accepted Answer

The prepaid lease (through Participate Energy) is one upfront payment for long-term solar access — no monthly bill from us, ever. Enfin financing spreads the cost into a monthly loan or lease payment instead. Both are $0-down-eligible; the difference is whether you'd rather pay once or pay monthly.

Question 2

How does the prepaid lease get me a lower price than paying cash outright?

Accepted Answer

Participate Energy owns the system for the first several years and claims the commercial solar tax credit — a credit only available to system owners, not individual homeowners buying outright. They pass a portion of that savings back to you through a reduced upfront price. You still get the electricity savings from day one; you just don't hold title to the equipment during that period.

Question 3

Do I own the system with the prepaid lease?

Accepted Answer

Not right away. Participate Energy holds ownership for about the first six years. Starting in year six, you get the option to buy the system outright — often for little to no additional cost at that point.

Question 4

Can I finance the prepaid lease's upfront payment instead of paying it all at once?

Accepted Answer

Yes. The upfront prepaid amount can be paid in cash, or financed through a loan — either one of our approved lending partners or your own bank or credit union.

Question 5

If I sell my home, what happens to my prepaid lease or Enfin agreement?

Accepted Answer

Both are designed to transfer with the home. A simple assignment form passes the agreement to your home's new owner under the same terms, so it's not something you need to pay off or unwind before selling.

Question 6

Does the prepaid lease or Enfin financing require a credit check?

Accepted Answer

Enfin's approval process looks at more than just your credit score, so you don't need excellent credit to qualify. The prepaid lease itself doesn't require a credit check for the lease agreement — a credit check only comes into play if you choose to finance the upfront payment through a loan.

Question 7

Is the prepaid lease available where I live?

Accepted Answer

It's currently available in a growing list of states — check with your consultant to confirm availability for your specific address, since state-by-state rollout is still expanding. Currently available in CA and TX, with future expansion planned for NJ where we offer our solar installation service. For FL and IL, we're expanding to new states and will announce availability there once it's live.

Question 8

Which one should I choose — prepaid lease or Enfin?

Accepted Answer

If you'd rather make one payment and never think about it again, the prepaid lease fits. If you'd rather keep more cash on hand and pay monthly, Enfin financing fits. Both get you $0 down and immediate savings on your power bill — the difference is really about how you'd rather structure the payment, not which one saves you more.

Our Best Payment Plan Just for You!

Not sure which option is right for you?

Solar Financing Options

Solar Lease

Solar Loan

Ownership

EnFin through US Power

EnFin Financing through US Power

Prepaid Lease Option

If you have any inquiries, feel free to reach out