Free solar contract review

The panels stayed. The promises didn't.

Answer 6 quick questions to see which grounds for cancellation may apply to you. Then get a free review.

A couple in their front yard looking up at the solar panels on their roof, holding their paperwork

Start here: tap an answer

Free contract check

Question 1 of 6

Grounds for cancellation

Installer out of businessDeceptive salesPredatory lending
  • Your answers show up here.
What's going wrong with your solar? Tap every answer that fits, then tap Continue.
Who installed your solar?

    How are you paying for it?

    Grab your monthly solar statement. If it shows an interest rate (APR) or the word loan, it's a loan. If it says lease or power purchase agreement, pick that one. Still not sure? That's fine, pick "Not sure".

    About how much is your solar payment each month? Just the solar loan or lease, not your power bill.
    About how many years are left on it?

    If nothing changes, you'll pay about

    $0

    more before this is over.

    Estimate using your answers. Your real number may be different.

    Last question: what state is the home in?
      Your results

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        Free review, no obligation

        No loan paperwork needed to start

        Any fee is shown in writing before you decide

        Most of the stories we hear go the same way.

        A homeowner pulls a utility bill from the mailbox in front of a house with solar panels

        "Your power bill will basically disappear."

        Then the power bills kept coming. Now there's a solar payment on top of them.

        An empty office with a sign on the door that says closed, out of business

        Then the company stopped answering.

        The installer closed, went bankrupt, or just went quiet. The warranty went with them. The loan didn't.

        And then the payment went up.

        Many solar loans assume you'll put a tax credit toward the balance by a set month. If that doesn't happen, the payment can be recalculated and jump.

        Payment recalculated Payment you were quoted Signing Month 18 Years later
        Illustration of how a re-amortized solar loan can change. Not based on a specific loan.

        The 3 grounds for cancellation

        We read what they rushed you past.

        These three problems hide in solar paperwork. Have any one of them and it's worth a free look. Most homeowners we hear from have more than one.

        Residential Solar Loan Agreement

        Borrower copy

        4.2 Amount Financed. The Amount Financed includes a program fee paid by the Installer to the Lender, which is not shown as a separate charge to Borrower.

        In plain English: there's a hidden fee built into what you owe.

        4.5 Payment Adjustment. If Borrower does not prepay the Expected Tax Credit Amount by the 18th payment, the monthly payment will be recalculated and will increase.

        In plain English: your payment can go UP after a year and a half.

        6.1 System Performance. Estimated production figures are provided by the Installer for illustration only and are not a guarantee of savings or output.

        In plain English: the savings they showed you were never promised.

        7.3 Warranties. All workmanship and production warranties are provided solely by the Installer and not by Lender. Borrower's obligation to pay continues regardless of Installer's performance or status.

        In plain English: if the installer goes under, you still have to pay.

        Signed electronicallyPage 3 of 14

        Illustration of common contract language. Not a real contract.
        1. 1

          Installer out of business

          They shut down, filed for bankruptcy, or stopped answering. The loan they signed you into didn't go with them.

          • Calls go unanswered
          • No one honors the warranty
          • Repairs have stalled
        2. 2

          Deceptive sales and underperformance

          Bills that were supposed to vanish, "free" solar that wasn't, or a system making far less power than the pitch.

          • Still paying a full power bill
          • Low production
          • Rushed signing on a tablet
        3. 3

          Predatory lending (often hidden)

          Hidden dealer fees in the balance, payments that jump, or a lump sum nobody explained. Most people never spot this one.

          • Balance above the system's value
          • Payment went up
          • Surprise balloon payment
        Start the free check

        How the free review works

        1. Tell us what happened

          Answer a few questions or call us. It takes about two minutes.

        2. We read your paperwork

          We compare your contract and loan to what you were told at the door.

        3. You get a straight answer

          If it's not worth pursuing, we'll say so. If it is, you get the options, fee and terms in writing.

        4. Help where it fits

          Where legal work is called for, we retain an independent law firm on your behalf and keep you updated.

        Straight talk, before you call

        What we do

        • Read your contract against what you were promised
        • Tell you plainly if your situation isn't worth pursuing
        • Put any fee and terms in writing before you decide

        What we never do

        • Promise that your contract will be canceled
        • Give legal advice. We're not a law firm.
        • Tell you to stop paying your loan

        Questions people ask first

        Yes. Looking at your situation costs nothing and you're under no obligation. If you decide to move forward, the fee and terms are given to you in writing first.

        No. Solar Cancellation Group is a consumer advocacy and contract review company. Where legal work is called for, we retain an independent law firm on your behalf.

        No one can honestly promise that, and we won't. Every situation is different and no outcome is guaranteed.

        It's often a long process. We can't give you a fixed timeline, and you should be careful with anyone who does. We keep you updated the whole way.

        That's one of the most common situations we see. The loan usually stays even when the installer is gone, so it's worth a free look.

        We never tell anyone to stop paying. Missed payments can hurt your credit. Don't change anything with your lender until you've had your review.

        Just your answers to a few questions. You don't need any loan documents for the first call.

        See what your contract shows

        Two minutes, free, and no obligation. Prefer to talk it through? Give us a call.

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