Compare GoodLeap solar loans, HVAC and roofing financing, and mortgage products — with APR, dealer-fee math, and honest insights before you sign.
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Themes aggregated from 1,900+ public reviews across Trustpilot, EnergySage, and the Better Business Bureau as of October 2026. No fabricated testimonials.
Fast point-of-sale approval during the installer's visit; customer service representatives generally rated as professional and responsive.Common theme · Trustpilot & EnergySage
No prepayment penalty; borrowers who paid off early reported no additional fees or complications.Reported across multiple platforms
Online loan servicing portal and mobile app rated as functional for payment management and statement viewing.Trustpilot customer feedback
Installer went out of business after GoodLeap funded them, leaving homeowners with a loan on an unfinished solar system.Most frequent CFPB complaint pattern
Promotional-period loans triggered large retroactive interest charges when the balance was not fully paid within the promotional window.Repeated in Trustpilot & BBB complaints
Dealer fee of 15% to 30% was not disclosed clearly before signing; homeowners discovered the inflated loan amount after reviewing paperwork.Theme across installer-origination reviews
GoodLeap is a point-of-sale lender for sustainable home upgrades, with mortgage products added through its 2021 rebrand from Loanpal.
Standard installment, Flexpay, and Go Green Refi for residential solar panels and battery storage. 7-to-25-year terms.
Solar loan detailsPoint-of-sale financing for HVAC, heat pumps, roofing, windows, doors, siding, EV chargers, and water systems.
Home improvement detailsFHA, VA, conventional, cash-out refinance, and home purchase loans through the GoodLeap mortgage division.
Mortgage detailsBattery storage financing bundled with solar or stand-alone, part of the GoodGrid virtual power plant program.
Battery detailsPublished APR ranges, how dealer fees inflate the real cost, and what loan structures GoodLeap uses for promotions.
Rate breakdownHome equity loans, personal loans, leases and the point-of-sale lenders still funding in 2026.
Compare alternativesGoodLeap uses a point-of-sale lending model — the loan originates with the installer, not with you. Here is the five-step process from first visit to final payment.
A GoodLeap partner contractor visits your home, assesses the project (solar, HVAC, roofing, etc.), and prepares a system quote. GoodLeap financing is presented alongside the cash price.
The installer runs a soft credit check and presents one or more GoodLeap loan structures: Standard Installment, FlexPay (promotional), or Go Green Refi. APR ranges from 4.99% to 8.99% depending on credit, term, and dealer-fee tier.
A hard credit pull is run at this stage. You sign the GoodLeap Regulation Z Truth-in-Lending disclosure and the loan is funded to the installer, not to you. The dealer fee is rolled into the financed amount.
The installer completes the work and submits proof of installation plus Permission to Operate (PTO) for solar projects. Loan repayment does not begin until PTO is granted, which can take 30 to 120 days.
Monthly payments are made to GoodLeap through the customer portal or mobile app. There is no prepayment penalty. Flexpay-style loans reset the payment after 18 months if the expected lump-sum prepayment is not made; for systems completed after 2025, there is no federal credit to fund it.
Critical point homeowners often miss: the loan is yours regardless of what happens with the installer. If the installer goes bankrupt mid-project, you still owe GoodLeap — this is the most common complaint pattern in CFPB and Trustpilot data.
GoodLeap reviews across the web split sharply between glowing employee-written content and homeowner complaints. We weigh both.
GoodLeap, LLC (NMLS #30336) is one of the largest residential solar lenders in the United States, reporting more than $38 billion in solar and home-efficiency financing for more than 1.7 million homeowners since 2018. GoodLeap financing loans cover solar panels, battery storage, HVAC, heat pumps, roofing, windows, EV chargers, and other sustainable home upgrades. The company also offers conventional, FHA, and VA mortgage products through its lending division.
The GoodLeap keyword draws homeowners researching three different situations: those shopping for a new solar or home improvement loan, those with an existing GoodLeap loan trying to understand their statement, and those searching after a bad experience with a contractor who originated a GoodLeap loan on their behalf. This site addresses all three, using publicly filed data, loan agreement text, and homeowner feedback from Trustpilot, EnergySage, and complaints filed with the CFPB.
GoodLeap does not pay us. We are not a GoodLeap partner. Where this site earns revenue, it is from third-party lenders that advertise through the Apply page, and this is disclosed on every page. See our advertising disclosure for details.
Residential solar installation in the United States has become a mass-market purchase over the past five years, with millions of US homes now running rooftop photovoltaic panels. The majority of these installations are financed, not purchased with cash. Point-of-sale solar financing has become the dominant model: a homeowner meets with a contractor, chooses a system, and signs a loan agreement during the sales visit, often without comparing competing loan offers.
This sales model works for the industry because it closes deals quickly, but it has structural problems for homeowners. The contractor is paid a commission by the lender for originating the loan, and the commission is rolled into the amount financed. Loan terms, interest rates, and promotional structures are presented alongside the system price in a single quote, making it difficult for a consumer to isolate the real cost of each component. State and federal consumer protection regulators have begun paying closer attention to the practices in this market, and the next few years will likely see additional disclosure requirements, standardized rate sheets, and better dealer fee transparency.
Meanwhile, the alternatives to point-of-sale solar financing remain available and are often cheaper. A home equity line of credit from a credit union, a cash-out refinance of your existing mortgage, an unsecured personal loan from a direct lender, or simply paying cash with savings can all result in a lower total cost than a point-of-sale solar loan. The best choice depends on your financial situation, your home equity, your credit profile, and your tolerance for different types of risk.
Independent research on GoodLeap financing for US homeowners, built from public records and our own loan math — without taking money from the companies we review.
We publish under a collective editorial byline rather than invented personal profiles. Every claim on this site is meant to be checkable: we link or name the public source, show the arithmetic behind worked examples, and date every update. When a source conflicts with another, we say so instead of picking the more convenient number.
How a GoodLeap solar loan compares with the main alternatives open to homeowners in late 2026. Mosaic, once a close competitor, stopped originating new loans in 2025.
| Feature | GoodLeap loan | Credit union HELOC | Personal loan | Solar lease or PPA |
|---|---|---|---|---|
| Who owns the system | You | You | You | Leasing company |
| Rate | Commonly 4.99% – 8.99% APR | Market rate, usually variable | Higher; varies by credit | Monthly fee or price per kWh |
| Dealer fee in principal | Yes, commonly 15% – 30% | None | None | None (priced into payments) |
| Typical term | Up to 25 years | Often 10 – 20 years | Often 7 years or less | Often 20 – 25 years |
| Credit needed | About 600 – 680 minimum, by program | Good credit plus home equity | Fair to excellent | Varies by provider |
| Secured by | Unsecured (fixture filing on the system) | Your home | Nothing | Contract with the provider |
| Federal credit, 2026 install | None for the homeowner | None for the homeowner | None for the homeowner | Owner may claim Section 48E |
| Worked example total, $25,000 cash price | $66,201 (6.99%, 25% fee, 25 yrs) | $52,069 (8.5%, 20 yrs) | $35,957 (11%, 7 yrs) | Depends on contract |
| Best for | No equity, wants ownership, larger system | Homeowners with equity who can wait a few weeks | Smaller projects, strong credit | No interest in owning equipment |
Bottom line: The dealer fee is what separates GoodLeap from the no-fee options. With home equity, a HELOC usually costs less in total. Without equity, compare the cash price with the amount financed under every lender your installer offers. Example rates are illustrative, not quotes.
The figures below come from GoodLeap product disclosures, Kroll Bond Rating Agency securitization data, and public SEC filings.
| Metric | Value | Notes |
|---|---|---|
| Lowest published APR | 4.99% | Requires strong credit and shorter term |
| Highest published APR | 8.99% | Standard installment, 25-year term |
| Loan term range | 5 – 25 years | 5, 10, 15, 20, 25 years common |
| Dealer fee range | 15% – 30% | Built into financed amount, not disclosed upfront |
| Minimum credit score | 600 – 650 | Advertised; preferred pricing starts near 740 |
| Loan collateral | Unsecured | UCC-1 fixture filing used, not a lien on home |
| Prepayment penalty | None | Confirm in your loan agreement |
| Operating states | 50 states | Also Washington, D.C. |
GoodLeap serves homeowners in all 50 US states and the District of Columbia. Loan terms are consistent nationally, but local solar incentives, net metering policies, and installer density vary significantly by state.
Highest residential solar adoption; net metering and incentive policies most supportive.
Expanding residential solar market with state-level incentives and growing installer networks.
GoodLeap offers the same core products in the remaining 37 states plus Washington, D.C. Local incentive details vary.
State net metering rules, solar tax credits, and property-tax treatment of residential solar vary widely. The federal homeowner solar credit ended for systems completed after December 31, 2025, so state and utility incentives now carry more weight. Before signing any loan, confirm your state's net metering compensation rate, any state or utility rebates, and whether the system qualifies for a property tax exemption. These factors can shift the economics of a solar loan by thousands of dollars over its term.
GoodLeap is applied for through your installer, not directly. If you want to compare personal loan or installment loan alternatives before signing a solar or home improvement contract, use the form on this page.
See Lending Options