Sunlight Finance started because a solar quote is a confusing document. The salesperson tells you the monthly payment. The installer points at a screen. The lender — usually Sunlight Financial, GoodLeap, or Mosaic — runs an instant credit decision. And then you’re asked to sign.
What that quote rarely shows: the dealer fee built into the system price, the difference between the promotional APR and the rate you actually qualify for, the lifetime interest delta between a 15-year term and a 25-year term, or what happens if you sell the house before the loan is paid off.
We started this site to do the work most solar customers don’t have time for. We read the lender disclosures, talk to installers, run the math, and write up what we find — without sales-funnel framing.
Editorial principles
1. We disclose every financial relationship.
We earn a referral fee when a reader applies for a loan or installation through our partner network. That fee is fixed by referral, not by which lender you choose — so we have no incentive to push one over another. Our full disclosure spells this out.
2. We don’t republish lender marketing.
Every claim about rates, terms, or requirements links back to a primary source (SEC filings, lender disclosures, NMLS records, or named press releases). When we can’t verify a claim, we say so.
3. We update reviews when the product changes.
Solar financing moves fast — Sunlight Financial restructured in 2023, launched a lease program in April 2024, and changed dealer-fee structures multiple times since. Each page carries the date it was last audited.
4. We are not affiliated with Sunlight Financial.
This is the most common reader question, so we want to answer it up front: Sunlight Finance is editorially independent. We have no commercial relationship with Sunlight Financial Holdings Inc. or its subsidiaries. Trademarks belong to their owners; we reference them under nominative fair use.
Who writes this site
Our editorial team is built from former mortgage underwriters, a solar installer with seven years on rooftops in California and Arizona, and writers who’ve covered consumer finance for two decades combined. We don’t use ghostwritten contractor content. Every article carries a byline and a last-updated date.
How to use this site
- If you’re researching whether Sunlight Financial is the right lender, start there.
- If you want to compare lenders side by side, the comparison page strips out marketing language.
- If you already have a quote in hand, run the numbers through the payment calculator before signing.
- If you’re still deciding between solar loan, lease, and PPA, the how-it-works page breaks down the trade-offs.
Contact us
Spotted an error? Have a story about a financing experience you want us to look into? Reach us at our contact page. We read every message.