Clayco Electric: What’s the best way to finance solar?

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Clayco Electric Solar Services distinguishes itself from the majority of companies by offering a unique approach to financing options. Instead of advocating for a single lending method, we present a diverse range of choices from over a dozen reputable lenders. Here, we outline the advantages and disadvantages associated with each of these financing options:

Purchase with Cash or Loan:


  • Typically results in a higher return on investment.
  • Incur minimal or no upfront costs.
  • Potential to enhance your home’s value.
  • The possibility of tax deductions (please consult a tax professional to determine eligibility).


  • Certain solar loans may place a lien on your property, potentially leading to foreclosure or complicating future property transactions if payments are not made.
  • You are generally responsible for repairs and maintenance, which may involve interactions with various manufacturers that could cease operations during the 10-20 year component cycles.

Panels and inverters come in a range of prices, and warranties vary for both labor and the replacement of parts. For instance, nowadays, most equipment includes a 10-year roof penetration warranty, along with an average 25-year warranty for the equipment itself. We provide a 30-year Solar Insure warranty to extend coverage beyond the manufacturer’s warranty, allowing you to opt for more affordable panels without compromising on the quality of the warranty.

It’s crucial to carefully evaluate these pros and cons and consider seeking advice from financial and tax professionals to make the most informed decision based on your unique circumstances. For more information, click here.

For the past 13 years, Clayco Solar has been dedicated to delivering top-tier solar solutions to our clients. Our expertise lies in designing solar projects tailored to meet the specific needs of your home or business. Recognizing that there is no one-size-fits-all solution for every homeowner, we provide up to 30-year warranties and multiple options for equipment and lenders, avoiding the pressure to endorse a single option.

  • Solar Panels

Varies By Manufacturer

  • Parts

12-25 Years

  • Performance

25 Years

  • Labor Reimbursement

Varies Zero to Fully Covered for Replacement

  • Shipping Reimbursement

Varies Zero to Fully Covered Shipping

Leveraging our experience and proficiency in designing highly efficient systems and utilizing cutting-edge technologies like 3D modeling and shading analysis tools, you can trust that the proposed system will align with your requirements.

Clayco has consistently ranked among the top 2% in the nation for seven consecutive years. With headquarters in San Diego, California, and Tucson, Arizona, we cater to the Southern California and Southern Arizona markets.