# GoodLeap Financing Loans — Full Site Content > Full-text export of goodleapfinancingloans.com for AI assistants and LLM crawlers. Generated from the live pages. > Site: https://goodleapfinancingloans.com > Last updated: October 24, 2026 > Byline: GoodLeap Financing Loans Editorial Team (collective byline; independent; no compensation from GoodLeap, LLC) This site is NOT GoodLeap, LLC, not a lender and not a loan originator. It is an independent review and comparison site supported by a multi-lender comparison form (APIdiamond). Editorial rating of GoodLeap: 3.2 / 5. ## Key facts (verified October 2026) - GoodLeap, LLC: licensed lender, NMLS #30336, formerly Loanpal; originally a California mortgage lender (Paramount Equity Mortgage, founded 2003). - Company-reported scale (October 2, 2026): more than $38 billion in solar and home-efficiency financing since 2018 for more than 1.7 million homeowners; 26 securitizations to date. - Commonly reported solar loan APR: about 4.99%–8.99%; terms up to 25 years. GoodLeap does not publish a public rate sheet. - Dealer fees: commonly reported at 15%–30% for GoodLeap; the CFPB (August 2024) found industry dealer fees typically run 10%–30% of the cash price and are often not reflected in the stated APR. - Credit: published minimums vary by installer program, about 600 in third-party reviews and 680 in installer program guides. - Tax law: the One Big Beautiful Bill Act (Public Law 119-21, July 4, 2025) ended the 30% Residential Clean Energy Credit (Section 25D) for systems completed after December 31, 2025, and the Energy Efficient Home Improvement Credit (Section 25C) for property placed in service after that date. - Market: Mosaic filed for Chapter 11 on June 6, 2025; its acquirer (Solar Servicing LLC, Forbright Bank) said it would not originate new solar loans. - Trustpilot: 2.5 / 5 TrustScore across about 1,090 reviews. - Mortgage: GoodLeap, LLC originates FHA, VA and conventional mortgages (HMDA data shows lending in 35 states). --- # Solar, Home Improvement & Mortgage Financing with GoodLeap Compare GoodLeap solar loans, HVAC and roofing financing, and mortgage products — with APR, dealer-fee math, and honest insights before you sign. See Loan Options Compare Alternatives ★★★☆☆ 3.2 / 5 · Editorial rating · Methodology ## What Real GoodLeap Customers Report Themes aggregated from 1,900+ public reviews across Trustpilot, EnergySage, and the Better Business Bureau as of October 2026. No fabricated testimonials. Trustpilot ★★☆☆☆ 2.5 / 5 1,090 reviews EnergySage ★★★☆☆ 3.5 / 5 382 reviews Better Business Bureau ★★☆☆☆ Mixed Hundreds of complaints Our Editorial Rating ★★★☆☆ 3.2 / 5 Independent verdict Positive theme Fast point-of-sale approval during the installer's visit; customer service representatives generally rated as professional and responsive. Common theme · Trustpilot & EnergySage Positive theme No prepayment penalty; borrowers who paid off early reported no additional fees or complications. Reported across multiple platforms Positive theme Online loan servicing portal and mobile app rated as functional for payment management and statement viewing. Trustpilot customer feedback Common complaint Installer went out of business after GoodLeap funded them, leaving homeowners with a loan on an unfinished solar system. Most frequent CFPB complaint pattern Common complaint Promotional-period loans triggered large retroactive interest charges when the balance was not fully paid within the promotional window. Repeated in Trustpilot & BBB complaints Common complaint 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 These are aggregated themes, not individual testimonials. For full reviews, see the source platforms directly. For our full editorial analysis of the GoodLeap complaint profile, see our complete GoodLeap review. Compare lending options See personal loan alternatives Explore installment loan options ## What GoodLeap Finances GoodLeap is a point-of-sale lender for sustainable home upgrades, with mortgage products added through its 2021 rebrand from Loanpal. Core products ### Solar Loans Standard installment, Flexpay, and Go Green Refi for residential solar panels and battery storage. 7-to-25-year terms. APR 4.99% – 8.99% Solar loan details ### Home Improvement Loans Point-of-sale financing for HVAC, heat pumps, roofing, windows, doors, siding, EV chargers, and water systems. Rates vary by contractor program Home improvement details ### Mortgage Products FHA, VA, conventional, cash-out refinance, and home purchase loans through the GoodLeap mortgage division. Market rate Mortgage details Supporting coverage ### Battery & Storage Battery storage financing bundled with solar or stand-alone, part of the GoodGrid virtual power plant program. CA pilot + national expansion Battery details ### Interest Rates & APR Published APR ranges, how dealer fees inflate the real cost, and what loan structures GoodLeap uses for promotions. Updated October 2026 Rate breakdown ### Alternatives Home equity loans, personal loans, leases and the point-of-sale lenders still funding in 2026. 5 lender comparison Compare alternatives ## How GoodLeap Financing Works GoodLeap 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. - 1 ### Meet with a GoodLeap installer 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. - 2 ### Receive loan options 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. - 3 ### Sign the loan agreement 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. - 4 ### Project installation 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. - 5 ### Repayment begins 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. ## Why This Review Site Exists 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. ## The 2026 US Solar Financing Market in Context 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. Who writes this site ## Our Editorial Team 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. ### How we work 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. ### Our review methodology - Loan agreement review — we explain how Truth in Lending disclosures work and which figures to check, and we label APR and fee ranges as commonly reported unless GoodLeap publishes them. - Public data triangulation — we cross-check claims against the CFPB, NMLS Consumer Access, IRS and federal law changes, company announcements, and independent industry reporting. - Homeowner feedback aggregation — we summarize recurring themes from public review platforms such as Trustpilot and the Better Business Bureau, and we do not publish individual testimonials. - 5-pillar scorecard — APR competitiveness, dealer-fee transparency, loan structure clarity, customer service record, and installer-related risk management. - Dated updates — terms, rates and legal changes are rechecked periodically and pages show the date of their last substantive update. ### What we will not do - Accept compensation from GoodLeap, LLC for coverage, placement, or ratings. - Publish fabricated reviews, ratings, or testimonials. - Attribute editorial content to fictional named experts. - Inflate ratings to drive advertising revenue from our partner network. - Hide negative findings when they are material to a homeowner's decision. Full editorial standards Advertising disclosure ## See What a Solar Loan Really Costs The dealer fee is rolled into your financed amount. Move the sliders to see how a modest system price turns into a much larger loan. System cash price — $25,000 Dealer fee — 25% Assumes 6.99% APR, 25-year standard installment loan. Your actual rate depends on credit and loan structure. 25-year total cost $66,201 Cash price: $25,000 → Financed: $31,250 Open Full Calculator ## GoodLeap vs HELOC vs Personal Loan vs Solar Lease 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. ## Key GoodLeap Numbers to Know 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. | See full APR breakdown ## Where GoodLeap Operates 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. Top Solar Markets ### Strongest Demand Highest residential solar adoption; net metering and incentive policies most supportive. - California - Florida - Texas - Arizona - Nevada - North Carolina Growing Markets ### Policy Supportive Expanding residential solar market with state-level incentives and growing installer networks. - New York - New Jersey - Massachusetts - Colorado - Illinois - Georgia - Virginia Standard Coverage ### Nationwide Service GoodLeap offers the same core products in the remaining 37 states plus Washington, D.C. Local incentive details vary. - All 50 US states - District of Columbia - Loan terms consistent - State disclosures apply Local policy matters more than you might think 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. ## Frequently Asked Questions **Q: Is GoodLeap a legitimate lender?** Yes. GoodLeap, LLC (NMLS #30336) is a licensed consumer lender incorporated in California and headquartered in Roseville. The company is the former Loanpal and before that Paramount Equity, and has been operating as a residential lender since 2003. GoodLeap holds state licenses and files Regulation Z Truth in Lending disclosures with every loan agreement. **Q: What APR does GoodLeap charge for solar loans?** GoodLeap advertises APRs between 4.99% and 8.99% for solar loans. Your actual rate depends on your credit score, loan term, loan amount, and the dealer fee the installer rolls into the financed amount. A 25-year term almost always carries a higher APR than a 10-year term. **Q: How much does the dealer fee add to a GoodLeap loan?** The dealer fee is a charge the solar installer pays the company for originating your loan, typically 15% to 30% of the system price. The installer then adds this fee into the price you finance, so a 25,000-dollar system can become a 32,500-dollar loan at a 30% dealer fee. See the dealer fee explainer for the math. **Q: What credit score do I need for GoodLeap?** GoodLeap advertises a minimum credit score around 600 to 650 for its lowest loan tier. Reaching the lowest APR tier typically requires a FICO score of 740 or higher. See the credit requirements page for a tier-by-tier breakdown. **Q: Can I pay off a GoodLeap loan early?** Yes. GoodLeap does not charge a prepayment penalty. Some GoodLeap loans are built around a lump-sum prepayment within the first 18 months, historically funded by the 30% federal solar tax credit; if it is not made, the payment resets higher. That credit ended for systems completed after December 31, 2025, so check your loan agreement for how your payment is calculated. **Q: Does this site process GoodLeap loan applications?** No. We are not GoodLeap, LLC, and we do not process GoodLeap financing applications. GoodLeap loans are originated through solar installers, HVAC contractors, roofers, and other home improvement professionals partnered with GoodLeap. This site is an independent review platform. The Apply page connects you with licensed third-party personal loan lenders as an alternative. Not paid by GoodLeap We accept no compensation from GoodLeap, LLC. See our advertising disclosure. Public data sources CFPB, NMLS Consumer Access, Kroll Bond Rating Agency, SEC filings, and public reviews. FTC compliant Advertising relationships disclosed per 16 CFR Part 255 on every page. Updated October 2026 Quarterly content review; last substantive update was October 24, 2026. ## Ready to Compare Your Options? 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 --- # GoodLeap Solar Loans Review GoodLeap solar loans rank among the largest point-of-sale solar lenders in the US by loan volume. Here is how the three main loan structures work, what APR to expect, and the dealer-fee math that affects what the loan actually costs. ## The short version - GoodLeap solar loans carry a fixed 4.99%–8.99% APR with terms up to 25 years, arranged through your installer rather than directly. - GoodLeap has offered three structures: Standard installment, Flexpay and Go Green Refi. Flexpay-style loans assume a lump-sum prepayment in the first 18 months, and the federal credit that once funded it ended for systems completed after 2025. - The installer typically adds a 15%–30% dealer fee into the amount you finance, so the advertised APR is not the full cost. - If you have home equity, a credit union HELOC often costs less overall. Compare before you sign. ## GoodLeap Solar Loan Options GoodLeap offers three solar loan structures, and the one your installer presents depends on which the installer is enrolled to sell and what GoodLeap's underwriting approves for your credit profile. ### Standard installment loan The default GoodLeap solar loan. Fixed APR between 4.99% and 8.99%, loan term of up to 25 years. The loan is unsecured, with a UCC-1 fixture filing on your solar system rather than a mortgage lien on your home. Payments stay the same across the full term. ### Flexpay (18-month re-amortization) loan Flexpay loans set your payment on the assumption that you will make a lump-sum prepayment within the first 18 months. That prepayment was designed around the 30% federal solar tax credit. If you do not pay the lump sum by month 18, GoodLeap re-amortizes the loan at the higher principal, which raises your monthly payment. Because the homeowner credit ended for systems completed after December 31, 2025, a 2026 borrower would have to fund that prepayment from savings. This is the most frequently misunderstood GoodLeap loan structure. ### Go Green Refi A refinance product that lets homeowners roll an existing solar loan or home improvement loan into a new GoodLeap financing agreement, sometimes with a longer term. Used to adjust monthly payment amounts. ## Solar + Battery Storage Loans GoodLeap also finances battery storage, either bundled with a solar panel loan or as a stand-alone upgrade for existing solar systems. The company's GoodGrid virtual power plant initiative, launched in California in August 2024, aggregates GoodLeap-financed batteries to provide grid services during peak demand, with homeowners paid for the capacity. Participation is optional on most residential systems. Dealer fee is where the real cost hides The APR GoodLeap advertises is not the full cost of borrowing. The solar installer rolls a 15% to 30% dealer fee into the amount financed, so a 25,000-dollar system becomes a 32,500-dollar loan at a 30% dealer fee. The APR applies to the inflated figure, not the cash price. Our dealer fee explainer shows the math, and the loan calculator lets you model it yourself. ## GoodLeap Solar Loan Rates and Terms (October 2026) | Term | Monthly payment | Total repaid | Total interest | | 10 years | $362.68 | $43,521 | $12,271 | | 15 years | $280.71 | $50,528 | $19,278 | | 20 years | $242.09 | $58,102 | $26,852 | | 25 years | $220.67 | $66,201 | $34,951 | Worked example: $31,250 financed ($25,000 system plus a 25% dealer fee) at 6.99% APR. GoodLeap solar APRs are commonly reported at 4.99% to 8.99%; longer terms usually price higher. GoodLeap does not publish rates or loan limits by term. Rates shown are indicative, based on publicly reported GoodLeap product disclosures and installer-shared rate sheets as of October 2026. Your actual rate depends on credit profile, loan structure, state, and the dealer fee your installer applies. ## How to Qualify for a GoodLeap Solar Loan - Minimum FICO credit score of 600 to 650 for the lowest tier; a 740 score typically unlocks the lowest APR - Verifiable income supporting the monthly payment at a reasonable debt-to-income ratio - Property ownership — GoodLeap only finances owner-occupied residential installations - A GoodLeap-approved installer selling the solar system - Residency in one of the 50 US states or Washington, D.C. ## What the End of the 30% Tax Credit Means for Solar Loans The One Big Beautiful Bill Act (Public Law 119-21, signed July 4, 2025) ended the 30% Residential Clean Energy Credit (Section 25D) for systems completed after December 31, 2025, and ended the Energy Efficient Home Improvement Credit (Section 25C) for property placed in service after the same date. For a homeowner buying a system in 2026, that changes the math in three ways. - No credit to offset the cost. A $25,000 system used to come with a credit worth up to $7,500. A system completed in 2026 comes with none. - Prepayment structures lose their purpose. Flexpay-style loans were built around a lump-sum prepayment funded by the credit. Without the credit, the lump sum has to come from your savings, or the payment resets higher. - Leases look relatively better. A company that owns a system on your roof may still claim the Section 48E business credit under current law, and some of that value can reach you through lower lease pricing. If you financed a system that was completed on or before December 31, 2025, the credit can still be claimed on your 2025 return, and unused credit can carry forward. ## Questions to Ask Before You Sign - What is the cash price of this system if I pay without financing? - What is the amount financed, and what dealer fee or platform fee is included in it? - What is the total of payments over the full term? - Does my payment assume any lump-sum prepayment? What happens if I never make it? - Which lender funds this loan, and when did it last fund one of your projects? - What production guarantee and workmanship warranty do you provide, and who honors them if your company closes? ## Our Editorial Verdict on GoodLeap Solar GoodLeap solar loans are structurally similar to those of other point-of-sale lenders such as Sunlight Financial: a dealer fee, terms up to 25 years and approval through the installer. Mosaic, long a close competitor, stopped originating new loans after its 2025 bankruptcy. GoodLeap’s advantages are scale and product breadth; its weaknesses are the dealer fee and the installer-related complaints that dominate its reviews. Compare Loan Options Try the Calculator ### What works - Available in all 50 states - No prepayment penalty - Covers solar plus battery plus roofing in one loan - Terms up to 25 years - Standard, Flexpay, and Go Green Refi structures ### What to watch - 15% to 30% dealer fee is built into financed amount - Flexpay loan structure is frequently misunderstood - Installer bankruptcy risk is a recurring complaint - Marketing APR is not the full cost of borrowing 3.2 / 5 Good for homeowners without home equity who want solar now and will read every line of the contract. Skip it if a HELOC or cash purchase is available to you. ## The US Residential Solar Lending Market in Context Point-of-sale solar financing has been the most common way homeowners pay for rooftop systems, but the market contracted sharply. Residential solar installations fell 31% in 2024, according to industry figures reported by pv magazine, and EnergySage reported that loans made up 43% of residential solar contracts in 2024, their lowest share since 2017. In 2025, Mosaic filed for bankruptcy, and Congress ended the homeowner solar credit for systems completed after December 31, 2025. GoodLeap has kept growing through the downturn, reporting more than $38 billion in solar and home-efficiency financing since 2018 for more than 1.7 million homeowners. Homeowners rarely compare offers across lenders because the sales process happens inside the installer's showroom or at the kitchen table during a two-hour pitch. Whichever lender the installer is enrolled with is the lender the homeowner is offered. This is a structural feature of the market, not a defect of any particular lender, and it is one reason consumer protection regulators have begun paying closer attention to the sector's sales practices and disclosure standards. A homeowner's best protection in this market is to request a written quote with a full breakdown of system cost, dealer fee, loan term, interest rate, and total of payments before signing. Any installer unwilling to break the quote down into those line items is signaling that the pricing math does not stand up to scrutiny. A properly priced solar system from a well-regarded installer should produce a quote that an informed homeowner can evaluate against alternatives like a home equity line of credit or an unsecured personal loan from a direct lender. ## Frequently asked questions **Q: What APR do GoodLeap solar loans have?** Third-party reviews commonly report GoodLeap solar APRs of about 4.99% to 8.99%. The dealer fee your installer adds to the loan is not part of that APR, so compare the cash price with the amount financed. **Q: How long are GoodLeap solar loan terms?** GoodLeap solar loans run up to 25 years. Available terms depend on the installer's program and your credit profile. **Q: Can I still use the 30% solar tax credit with a GoodLeap loan?** Only if the system was completed on or before December 31, 2025. The Section 25D credit ended for systems completed after that date, so a 2026 installation has no federal homeowner credit to apply toward the loan. **Q: What happens if my solar installer goes out of business?** Your loan obligation usually continues. The FTC Holder Rule may let you raise claims against the lender that you could have raised against the installer. Keep every contract, email and photo, and file complaints with the CFPB and your state attorney general. --- # GoodLeap Home Improvement Loans GoodLeap financing loans extend beyond solar into every major sustainable home upgrade: HVAC, heat pumps, roofing, windows, doors, siding, EV chargers, smart home, water heating, and water efficiency projects. Here is how each category works. ## What GoodLeap Home Improvement Loans Cover GoodLeap home improvement loans are point-of-sale financing products: you do not apply directly on the GoodLeap website. Instead, your contractor (HVAC installer, roofer, window company) is enrolled in the GoodLeap partner network and offers the loan as a payment option during the sales call. Approval decisions arrive in minutes, documents are signed electronically, and funds are released to the contractor in stages as the project is completed. ## Eligible Project Categories ### HVAC & Heat Pumps Replacement central air conditioning, furnaces, ductless mini-splits, air-source and ground-source heat pumps. Typical loan amount 7,500 to 35,000 dollars. ### Roofing Full roof replacement, often bundled with a solar panel loan under one GoodLeap financing agreement. Terms up to 25 years. ### Windows & Doors Energy-efficient window replacement and entry-door upgrades. The federal Energy Efficient Home Improvement Credit (25C) ended for windows and doors placed in service after December 31, 2025. ### Siding Insulated siding and whole-home envelope upgrades, typically financed under a 10-to-20-year term. ### EV Chargers Level 2 home EV charging station installation, sometimes bundled with solar and battery storage financing. ### Smart Home Smart thermostats, home energy monitoring, and connected lighting. Often included as part of a larger energy-efficiency package. ### Water Heating Heat-pump water heaters, tankless gas water heaters, and solar water heating systems. ### Water Efficiency Low-flow fixtures, greywater systems, and whole-home water filtration. Smaller loan amounts, shorter terms. ## GoodLeap Home Improvement Loan Structures Home improvement loans use the same four loan structures as GoodLeap solar: standard installment, promotional-period loans (interest-only or principal-only phases), re-amortization products, and the Go Green Refi option. The dealer fee works the same way: your contractor rolls 15% to 30% of the project cost into the amount you finance, so the APR you see is applied to the inflated figure, not the cash price. Promotional-period loans: read the terms carefully Some GoodLeap home improvement loans offer a 0% interest period for the first 12 to 24 months. If the loan is not paid in full during that period, GoodLeap can apply the full accrued interest from the loan origination date retroactively — meaning the balance can jump by several thousand dollars at the end of the promotional window. This is the single most common complaint on Trustpilot and the Better Business Bureau for GoodLeap home improvement loans. ## GoodLeap Home Improvement Loan Rates (2026) | Project type | Typical scope | Ask your contractor | | HVAC replacement | Central AC, furnaces, heat pumps, mini-splits | Cash price and any promotional terms | | Roof replacement | Full replacement, often bundled with solar | Whether roof and solar share one loan | | Windows & doors | Energy-efficient replacements | Cash price; no federal 25C credit for 2026 installs | | EV charger | Level 2 home charging | Whether a panel upgrade is included | | Heat pump water heater | Replacement water heating | Cash price and dealer fee | GoodLeap does not publish home improvement rates or loan limits. Terms vary by contractor program, so ask for the amount financed and total of payments in writing. ### What works - Covers HVAC, roofing, windows, EV, water, smart home - Fast point-of-sale approval through contractors - Promotional-period loan options available - No prepayment penalty - Nationwide availability ### What to watch - Cannot apply directly without a contractor - Promotional-period loans can backfire with retroactive interest - Dealer fee inflates financed amount - Contractor-driven sales process limits comparison shopping 3.1 / 5 Good for homeowners financing an HVAC, roofing or window project through a contractor they already trust. Skip it if you want to compare lenders before choosing a contractor, or if a promotional loan might outlast your ability to pay it off. ## How to Apply for GoodLeap Home Improvement Financing You cannot apply directly on the GoodLeap website for home improvement loans. The application has to come through a GoodLeap-partnered contractor. Here is the realistic sequence: - Request quotes from several HVAC, roofing, or window contractors. - Ask each contractor whether they offer GoodLeap financing. Note which do. - Compare the total financed amount, APR, and dealer fee, not just the monthly payment. - Ask the contractor whether a promotional-period loan is being offered, and what happens if you do not pay off the balance before the promotional period ends. - Compare the GoodLeap offer against a personal loan from a licensed lender you can apply to directly. See Lending Options --- # GoodLeap Mortgage Loans In addition to solar and home improvement financing, the lender originates residential mortgages, including FHA, VA, conventional, cash-out refinance, and home purchase loans. Here is what the mortgage side of GoodLeap looks like in 2026. ## GoodLeap Mortgage Product List - Conventional loans — fixed-rate and adjustable-rate mortgages conforming to Fannie Mae and Freddie Mac guidelines - FHA loans — government-insured mortgages with lower down payment and credit score minimums - VA loans — zero-down loans for eligible veterans, active-duty service members, and surviving spouses - Cash-out refinance — replacing an existing mortgage with a new, larger loan to access home equity - Home purchase loans — standard first-mortgage financing for a home purchase - Rate-and-term refinance — replacing an existing mortgage with a new loan at a lower rate or different term ## GoodLeap vs Dedicated Mortgage Lenders GoodLeap mortgage is a smaller division within the broader GoodLeap business. Unlike dedicated mortgage lenders such as Rocket Mortgage, loanDepot, or Guaranteed Rate, GoodLeap mortgage grew out of its solar lending book, and its loan officer network is smaller. If you are shopping for a straightforward mortgage with no solar component, there is no particular advantage to using GoodLeap over a larger dedicated lender. Where GoodLeap mortgage can be useful: when you have an existing GoodLeap solar loan and are considering refinancing both the solar and the mortgage together, or when your home purchase includes a planned solar installation and you want one lender to handle both the mortgage and the solar financing. ## GoodLeap Cash-Out Refinance for Solar GoodLeap offers cash-out refinance products that let homeowners tap home equity to pay off an existing solar loan or fund a new installation. This can lower the overall APR, since mortgage rates are typically lower than unsecured solar loan rates, but it also converts an unsecured debt into a lien on your home. If you default on a mortgage, you can lose the house. If you default on a solar loan, the system can be repossessed but your home cannot. Think carefully about this trade-off. Cash-out refinance changes the risk profile A solar loan is unsecured. A cash-out refinance that pays off a solar loan converts that debt into a mortgage secured by your home. The APR is usually lower, but the consequence of default is far more severe. This is not an upgrade. It is a trade-off, and it should be run against the numbers for your specific situation. ### What works - Full product range: FHA, VA, conventional, cash-out refi, purchase - One lender can handle both mortgage and solar - Direct application through GoodLeap website - Standard mortgage underwriting process ### What to watch - Smaller than dedicated mortgage lenders - No particular pricing advantage for standalone mortgages - Cash-out refi for solar converts unsecured debt into secured debt - Loan officer network less dense than major lenders 3.0 / 5 Good for homeowners refinancing a mortgage and an existing GoodLeap solar loan together. Skip it for a standalone purchase or refinance, where larger dedicated lenders usually offer more choice. ## How to Apply for a GoodLeap Mortgage Unlike GoodLeap home improvement loans, mortgage applications can be initiated directly through the GoodLeap website or through a GoodLeap loan officer. You will go through standard mortgage underwriting: credit check, income verification, employment verification, appraisal, title search, and closing disclosure. Expect 30 to 45 days from application to closing on a purchase loan, 20 to 35 days on a refinance. Compare Loan Options ## How Mortgage Underwriting Differs From Consumer Lending Residential mortgage underwriting is fundamentally different from unsecured consumer loan underwriting. A mortgage lender evaluates not just the borrower but also the property: an appraisal confirms the home is worth what you are paying, a title search confirms there are no competing claims on the property, and a termite or pest inspection may be required depending on the property's location. The whole process takes 30 to 45 days from application to closing on a purchase and 20 to 35 days on a refinance. A conventional mortgage follows guidelines set by Fannie Mae and Freddie Mac, the two government-sponsored enterprises that purchase mortgages from originators and bundle them into mortgage-backed securities. These guidelines specify minimum credit scores, maximum debt-to-income ratios, maximum loan-to-value ratios, and the documentation required for employment and income. A loan that fits inside these guidelines is called a conforming loan, and conforming loans tend to carry the lowest interest rates in the market. FHA loans are insured by the Federal Housing Administration, which allows borrowers with lower credit scores (down to 580 for a 3.5 percent down payment, down to 500 for a 10 percent down payment) and smaller down payments to qualify. The trade-off is upfront and annual mortgage insurance premiums that add to the cost of the loan. VA loans are guaranteed by the Department of Veterans Affairs for eligible veterans, active-duty service members, and surviving spouses, with no down payment required and no monthly mortgage insurance, financed instead by a one-time funding fee. --- # GoodLeap Reviews: What Customers Actually Say in 2026 Independent review of GoodLeap based on homeowner feedback across Trustpilot, EnergySage, Better Business Bureau, CFPB complaint database, and publicly filed arbitration cases. Editorial rating: 3.2 out of 5. ## The short version - Our editorial rating is 3.2 / 5. The experience depends heavily on whether your installer finishes the job and stays in business. - Trustpilot shows 2.5 / 5 across 1,090 reviews; EnergySage shows 3.5 / 5 across 382 reviews. - The most common complaints are installer bankruptcy, retroactive interest on promotional loans and dealer fees that were not explained up front. - If an installer fails, the FTC Holder Rule may let you raise the same claims against the lender. Keep every contract, email and photo. ## Our Editorial Rating: 3.2 / 5 The GoodLeap experience divides sharply. Homeowners whose installer completed the project on time, correctly, and stayed in business long enough to honor the system warranty generally report a positive loan servicing experience. Homeowners whose installer disappeared, misrepresented the loan terms, or installed a defective system often report severe frustration with GoodLeap's reluctance to apply the FTC Holder Rule to their situation. ### What works - Available in all 50 states - Full product range: solar, home improvement, mortgage - No prepayment penalty - Online loan servicing portal and mobile app - Fast point-of-sale approval ### What to watch - Dealer fee 15% to 30% inflates financed amount - Installer-dependent application process - Promotional-period loans trigger retroactive interest - Loan assumption requires 750 credit score - FTC Holder Rule enforcement has been inconsistent 3.2 / 5 Good for homeowners whose installer is established and financially stable. Slow down if the installer is new, pushes you to sign the same day or will not give a written cash price. ## GoodLeap Reviews Across Platforms | Source | Rating | Review Volume | Common Themes | | Trustpilot | 2.5 / 5 | 1,090 reviews | Installer bankruptcy, retroactive interest confusion | | EnergySage | 3.5 / 5 | 382 reviews | Mixed — installer-dependent experience | | Better Business Bureau | Varies | Hundreds of complaints | Loan servicing, promotional-period confusion | | CFPB complaint database | Not rated | Multiple complaints | Installer-related, loan assumption denials | ## Most Common Positive Themes - Fast point-of-sale approval during the installer's sales call - No prepayment penalty — can pay off early without extra fees - Online account access through the GoodLeap mobile app and web portal - Customer care representatives generally rated as professional once connected - Loans available in all 50 states and D.C. ## Most Common Negative Themes - Installer went out of business after GoodLeap funded them, leaving homeowners with a loan on an unfinished or non-functional system - Promotional-period loan structure caused large retroactive interest charges when the balance was not paid in the promotional window - Difficulty transferring the loan to a new homeowner when selling the house, due to a 750 credit score requirement for loan assumption - Dealer fee not disclosed clearly before signing - Flexpay re-amortization not understood by homeowners who did not apply the federal solar tax credit in the first 18 months ## The FTC Holder Rule and GoodLeap The FTC Holder Rule (16 CFR § 433.2) requires that any assignee of a consumer credit contract (such as GoodLeap, when it takes assignment of a loan originated through an installer) is subject to the same claims and defenses the consumer could raise against the installer. GoodLeap's own loan agreements include this notice in bold capital letters, as required. Nonetheless, GoodLeap has been accused in multiple homeowner complaints of refusing to honor the Holder Rule when installers went out of business and left systems incomplete or non-functional. If your GoodLeap-financed installer closes You may have rights under the FTC Holder Rule. File a complaint with the CFPB, your state's attorney general, and your state's financial regulator. Keep every contract, email, and photograph related to your installation. Consider consulting a consumer protection attorney licensed in your state. ## How to Read GoodLeap Reviews Review platforms are useful, but they need context before they can guide a decision. - Separate the lender from the installer. Many one-star reviews describe an installer that missed deadlines, oversold savings or closed. Those problems still land on the loan, but they point to installer due diligence as much as to the lender. - Check the date. Reviews from before 2026 often assume the 30% federal credit would fund an early prepayment. That assumption no longer holds for new installations. - Expect a negative tilt. Borrowers with a smooth loan rarely post about it, while borrowers in a dispute often do. A low average still matters, but read the specific complaints. - Look for patterns, not single stories. Repeated themes such as unexplained dealer fees or payments that jumped after 18 months are the signals worth acting on. ## What Changed in 2025 and 2026 Reviews written before 2025 describe a different market. Four developments shape the GoodLeap experience today. - The homeowner tax credit ended. The One Big Beautiful Bill Act (Public Law 119-21, signed July 4, 2025) ended the 30% Residential Clean Energy Credit (Section 25D) for systems completed after December 31, 2025, and ended the Energy Efficient Home Improvement Credit (Section 25C) for property placed in service after the same date. Complaints about payments that reset after an expected credit never arrived are likely to matter more for 2026 borrowers, not less. - A major competitor left. Mosaic filed for Chapter 11 in June 2025 and its buyer said it would not originate new solar loans, which narrows the choice of point-of-sale lenders. - Regulators sharpened their focus. The CFPB solar financing issue spotlight (August 2024) highlighted hidden dealer fees, misleading payment claims, ballooning payments and exaggerated savings claims across the industry. - GoodLeap kept growing. In October 2026 the company reported more than $38 billion in solar and home-efficiency financing since 2018 for more than 1.7 million homeowners, alongside its 26th loan securitization. That suggests continued access to funding, which matters if you worry about a lender disappearing mid-project. ## How to Raise a Problem or File a Complaint If something goes wrong, work through these steps in order and keep a written record of each contact. - Contact GoodLeap customer care in writing through your account, and describe the issue, the dates and what you want resolved. - Contact the installer about workmanship or production problems, and send GoodLeap a copy. - File a complaint with the CFPB at consumerfinance.gov. Companies generally respond to CFPB complaints within 15 days. - File with your state attorney general and financial regulator, especially if you believe the sale involved misleading claims. - Review your loan agreement for an arbitration clause before considering legal action, and consult a consumer attorney if the installer has closed. ## Is GoodLeap Right for Your Project? GoodLeap is a reasonable choice when: your installer is well-established and has strong local reviews, you understand the dealer fee is inflating the financed amount, you know exactly how your payment is calculated if the loan assumes any lump-sum prepayment, and you have reviewed the full APR and total of payments before signing — not just the monthly payment. If any of those conditions are not met, compare GoodLeap against another active point-of-sale lender, a home equity loan, or a personal loan from a credit union before signing. See Alternatives Compare Loan Options ## Frequently asked questions **Q: Is GoodLeap a legitimate lender?** Yes. GoodLeap, LLC is a licensed lender (NMLS #30336) that reports more than $38 billion in solar and home-efficiency financing since 2018. Legitimacy is not the main issue in most complaints; installer conduct and loan terms are. **Q: Why does GoodLeap have low Trustpilot ratings?** GoodLeap holds a 2.5 out of 5 TrustScore on Trustpilot across about 1,090 reviews. Common complaints involve installers that closed after funding, promotional loans that triggered retroactive interest, and dealer fees that were not explained before signing. **Q: Who do I contact about a GoodLeap loan problem?** Start with GoodLeap customer care in writing, then the installer for workmanship issues. If that does not resolve it, file a complaint with the CFPB and your state attorney general. **Q: Does the FTC Holder Rule apply to GoodLeap loans?** The Holder Rule (16 CFR 433.2) generally lets borrowers raise claims against the holder of a consumer credit contract that they could raise against the seller. Whether it applies to your loan depends on its terms, so review your agreement or ask a consumer attorney. --- # GoodLeap APR & Interest Rates (October 2026) GoodLeap solar loans are commonly reported at about 4.99% to 8.99% APR. That range is only half the story: the dealer fee your installer adds to the loan is not part of the APR, and it can matter more than the rate itself. ## The short version - The commonly reported solar range is 4.99%–8.99% APR. Lower promotional rates appear when they are paired with a larger dealer fee. - Your credit score, loan term and the dealer-fee tier the installer chooses drive the rate you are offered. - The CFPB found dealer fees typically run 10%–30% of the cash price and are often left out of the stated APR. - Compare offers by total repayment against the cash price, not by APR alone. ## Commonly Reported GoodLeap Rates GoodLeap does not publish a public rate sheet. The figures below come from third-party reviews and installer disclosures, so treat them as a starting point rather than a quote. | Product | Commonly reported APR | Notes | | Solar, standard installment | 4.99% – 8.99% | Terms up to 25 years | | Solar, low-rate promotions | Below 4.99% | Usually paired with a higher dealer fee | | Home improvement (HVAC, roofing, windows) | Varies by contractor program | Promotional and deferred-interest options exist | | Mortgage (FHA, VA, conventional) | Market rate | Quoted by a GoodLeap loan officer | ## How Your GoodLeap Rate Is Set - Credit score. The strongest single driver. Higher scores qualify for lower rates; scores near the program minimum land in the highest tier. If you apply with a co-borrower, third-party reviews report that the higher of the two scores is used. - Loan term. Longer terms usually carry higher rates. A 10-year term is almost always priced below a 25-year term. - Dealer-fee tier. Installers can often choose between a lower APR with a bigger dealer fee and a higher APR with a smaller one. That choice is effectively a rate buy-down paid through your principal. - Loan amount and project type. Solar, batteries and home improvement work can price differently, and some programs set minimum or maximum amounts. - Debt-to-income ratio and income verification. Applications near the lender's limits may need extra documentation or a co-borrower. ## Low APR or Low Dealer Fee? The Math Here is a worked comparison on a $25,000 cash price over 25 years. We calculated each line with a standard amortization formula. | Offer | Amount financed | Monthly payment | Total over 25 years | Paid in 7 years + payoff at year 7 | | 2.99% APR, 30% dealer fee | $32,500 | $153.95 | $46,185 | $38,623 | | 6.99% APR, 15% dealer fee | $28,750 | $203.02 | $60,905 | $41,966 | In this example the low-rate offer costs less, both over the full term and if you sell or refinance after seven years. A rate buy-down is not automatically a bad deal. What the example does show is that neither offer is cheap next to the $25,000 cash price, and that you cannot tell which offer is better from the APR or the monthly payment alone. Ask for the amount financed and the total of payments for every option, then compare. ## How the Term Changes Your Payment and Total Cost A longer term lowers the monthly payment but raises the total you repay. The table holds the amount financed at $31,250 (a $25,000 system with a 25% dealer fee) and the rate at 6.99%, so only the term changes. | Term | Monthly payment | Total repaid | Total interest | | 10 years | $362.68 | $43,521 | $12,271 | | 15 years | $280.71 | $50,528 | $19,278 | | 20 years | $242.09 | $58,102 | $26,852 | | 25 years | $220.67 | $66,201 | $34,951 | Stretching from 10 to 25 years cuts the payment by about $142 a month and adds about $22,680 in interest. In practice the gap is wider, because longer terms usually come with a higher rate or a bigger dealer fee. ## How to Lower the Rate You Are Offered - Check your credit before the sales visit. Paying revolving balances below about 30% of your limits and fixing report errors can move you into a better tier. - Ask for a shorter term. If the higher payment fits your budget, a 10- or 15-year term usually prices lower. - Apply with a stronger co-borrower if one is available, since the higher score is reported to be the one used. - Ask to see every dealer-fee tier. Have the installer show the APR, amount financed and total of payments for each option, then compare totals. - Bring a competing quote. A home equity or personal loan quote gives you a benchmark and leverage to negotiate the cash price. ## What the APR Leaves Out The CFPB solar financing issue spotlight (August 2024) identified four main risks in solar lending: hidden markups and fees, misleading claims about what borrowers will pay, ballooning monthly payments, and exaggerated savings claims. On fees, it found that lenders often build dealer fees into the loan principal without showing them as a markup over the cash price, and without reflecting them in the stated APR. That is why the cash price matters so much. If an installer quotes $31,250 for a system it would sell for $25,000 in cash, the $6,250 difference is part of what you borrow and pay interest on, even though the APR on the paperwork looks low. ## 2026 Changes That Affect the Real Cost The One Big Beautiful Bill Act (Public Law 119-21, signed July 4, 2025) ended the 30% Residential Clean Energy Credit (Section 25D) for systems completed after December 31, 2025, and ended the Energy Efficient Home Improvement Credit (Section 25C) for property placed in service after the same date. For a system completed in 2026, there is no federal credit to put toward the loan, so the full payment comes out of your budget. This matters most for loan structures designed around a lump-sum prepayment in the first 18 months. The CFPB had already flagged loans that assume a prepayment equal to the federal credit. If a lender or installer still describes a payment that depends on a tax-credit prepayment, ask what the payment will be if you never make it. ## Where to Find Your Actual Rate Your real numbers are in the Truth in Lending disclosure that comes with the loan documents. Before signing, find four figures: the APR, the finance charge, the amount financed and the total of payments. Then ask the installer for the cash price of the same system in writing. The gap between the cash price and the amount financed is the dealer fee, whatever it is called on the paperwork. You can confirm GoodLeap's license (NMLS #30336) on NMLS Consumer Access. Try the Calculator ## Frequently asked questions **Q: What APR does GoodLeap charge?** GoodLeap does not publish a rate sheet. Third-party reviews commonly report solar loan APRs of about 4.99% to 8.99%, with lower promotional rates when the loan carries a larger dealer fee. Your offer depends on credit, term and the installer's chosen fee tier. **Q: Does the GoodLeap APR include the dealer fee?** Not as a visible line item. The dealer fee is added to the amount financed. The CFPB found that solar lenders often build these fees into the principal without reflecting them in the stated APR, so compare the cash price with the amount financed. **Q: Is a very low GoodLeap rate a good deal?** It can be. In our worked example, a 2.99% loan with a 30% dealer fee cost less over 25 years than a 6.99% loan with a 15% fee. Both still cost far more than the cash price, so compare the total of payments for every option. **Q: Can I use the federal solar tax credit to lower my GoodLeap payment in 2026?** Not for a system completed after December 31, 2025. The Section 25D homeowner credit ended for those installations, so there is no credit to apply toward the loan. --- # GoodLeap Credit Score Requirements GoodLeap does not publish a single minimum credit score. Third-party reviews cite about 600, while installer program guides list 680, so the bar depends on the program your installer uses. Here is what to expect at each score range and how to improve your odds. ## The short version - Published minimums vary by program, from about 600 in third-party reviews to 680 in installer program guides. - Higher scores reach better pricing, and 740+ typically puts you in the strongest position to compare offers. - Lenders look for a debt-to-income ratio below 50% including the new payment, plus owner-occupied property. - A Chapter 7 or Chapter 13 bankruptcy within the last two to four years can disqualify an application. ## GoodLeap Credit Tier Breakdown | FICO score | What to expect | What helps | | Below 600 | Approval unlikely | Rebuild credit or add a creditworthy co-borrower | | 600 – 679 | Possible on some installer programs; others require 680 | Expect the highest rate tier; compare a personal loan or HELOC | | 680 – 739 | Likely on most programs | Mid-range pricing; ask to see each dealer-fee tier | | 740 and above | Strongest approval odds | Best available pricing and the most leverage to compare | GoodLeap does not publish tier cutoffs, rates or loan limits by score. These bands summarize third-party reviews and installer program guides. Lenders may use a different FICO version than the one you see in a free credit app. ## Other GoodLeap Qualification Factors - Debt-to-income ratio. GoodLeap reviews debt-to-income, and installer program guides indicate it gets closer scrutiny when your score is below 700. Many lenders look for 50% or less including the new payment. - Verifiable income. W-2 employment is simplest; self-employed and gig workers may need to provide tax returns. - Property ownership. GoodLeap only finances installations on residential property you own; installer program guides indicate primary and second homes can qualify, while investment and vacation properties do not. - Age and residency. You must be 18 or older and a US resident (installer program guides indicate ITIN applicants may qualify). - No recent bankruptcy or foreclosure. Chapter 7 or Chapter 13 bankruptcy within the last two to four years can disqualify an application. - Clean trade line history. Multiple recent late payments or collections significantly reduce approval odds. ## What If Your Credit Score Is Too Low? If your FICO score is below 600, GoodLeap will likely decline. In that situation, consider: - Adding a creditworthy co-signer to the application - Waiting six to twelve months while improving your credit score - Applying for a secured loan backed by a home equity line of credit (HELOC) - Applying for a smaller personal loan to cover a portion of the project in cash - Working with a local credit union that may underwrite more flexibly ## GoodLeap and Credit Pulls When your contractor submits an application for GoodLeap financing, GoodLeap typically performs a soft credit pull during the initial underwriting decision, which does not affect your credit score. If approved and you proceed to sign the loan documents, GoodLeap performs a hard credit pull, which temporarily lowers your FICO score by a few points. If you are shopping multiple solar quotes from installers that use different lenders, submit all applications within a 14-day window so that FICO treats them as a single rate-shopping inquiry. Compare Loan Options ## How to Monitor and Improve Your FICO Score Before Applying A FICO score is a three-digit number that summarizes your credit risk to a lender, drawn from the information reported about you to the three major US consumer credit bureaus: Experian, Equifax, and TransUnion. Scores range from 300 to 850, and most consumer lenders use a model called FICO 8, though some use newer versions such as FICO 9 or FICO 10, or the competing VantageScore model. Different models produce slightly different scores from the same underlying data, which is why your score at one source may not match the score another source shows. Several free services let you monitor your FICO score and credit report without affecting your credit: Credit Karma, Experian's free direct offering, Credit Sesame, and the free weekly reports available at AnnualCreditReport.com. These services update your score monthly or weekly and show you the full credit report content, including which accounts are reporting, which balances are high relative to limits, and whether any derogatory marks appear on your file. The highest-impact actions for improving a FICO score are paying down revolving credit card balances (keeping utilization below 30 percent of the limit on each card and overall), making every payment on time without exception for at least six months, and avoiding opening or closing credit accounts in the three months before you plan to apply for a major loan. Hard credit pulls can shave a few points off your score temporarily, so time new credit applications carefully. If your credit report contains errors — accounts that are not yours, incorrect balances, late payments that were paid on time, or accounts still showing as open that should be closed — file a formal dispute with each of the three credit bureaus. The Fair Credit Reporting Act requires the bureau to investigate within 30 days and correct verified errors. Correcting a single significant error can raise your score by 20 to 60 points. ## Frequently asked questions **Q: What is the minimum credit score for a GoodLeap loan?** GoodLeap does not publish a single minimum. Third-party reviews cite about 600, while installer program guides list 680. Higher scores, typically 740 and above, reach the best pricing. **Q: Does GoodLeap do a hard credit pull?** GoodLeap performs a soft credit pull during initial underwriting, which does not affect your credit score. A hard credit pull is performed when you sign the loan documents. **Q: Can I apply for a GoodLeap loan with bad credit?** GoodLeap typically declines applications with FICO scores below 600. Options include adding a co-signer, improving your credit, or applying with a credit union that underwrites more flexibly. --- # The GoodLeap Dealer Fee, Explained The dealer fee is the single most important number in a GoodLeap solar loan and the one least often explained before you sign. Here is the math, what regulators found, and how to spot the fee in your paperwork. ## The short version - A dealer fee is a charge the installer pays the lender, and it is added to the price you finance rather than paid from the installer’s margin. - GoodLeap dealer fees are commonly reported at 15%–30%; the CFPB found industry fees typically run 10%–30% and sometimes higher. - A $25,000 system with a 25% fee becomes a $31,250 loan, and you pay interest on the fee for the full term. - Ask for the cash price in writing. The gap between the cash price and the amount financed is the fee. ## What Is a Dealer Fee? A dealer fee is what the solar installer pays the lender for offering a particular loan, usually one with a low advertised rate. The installer does not absorb it. Instead, the fee is added to the price you finance. A system quoted at a $25,000 cash price becomes a $31,250 loan at a 25% dealer fee: you borrow the fee and pay interest on it for as long as the loan runs. The fee appears under many names. The CFPB lists labels such as dealer fee, platform fee, program fee, lending fee, financing fee and original issue discount. Some installers simply raise the system price and never name the fee at all. ## What Regulators Found In its CFPB solar financing issue spotlight (August 2024), the Consumer Financial Protection Bureau reported that these markups can increase the loan principal by 30% or more above the cash price, that they typically range from 10% to 30%, and that lenders frequently build them into the principal without reflecting them in the stated APR. State attorneys general have pursued similar concerns; a 2024 Minnesota lawsuit against several solar lenders alleged hidden fees that raised borrowers’ costs by 15% to 30%. ## How Big Are GoodLeap Dealer Fees? GoodLeap does not publish a fee schedule. Third-party reviews and installer disclosures commonly put GoodLeap dealer fees at 15% to 30% of the system price. Two patterns hold across the industry: - Longer terms usually carry bigger fees. A 25-year loan ties up the lender’s money longer than a 10-year loan. - Lower advertised rates usually carry bigger fees. The fee is how the installer buys the rate down. Your installer can see the fee for every rate and term option on the lender’s platform. You can ask to see it too. ## Dealer Fees by the Numbers The table shows how much each fee level adds on a $25,000 system, holding the rate at 6.99% and the term at 25 years so that only the fee changes. | Dealer fee | Amount financed | Monthly payment | Total repaid | Cost above the cash price | | None | $25,000 | $176.54 | $52,961 | $27,961 | | 10% | $27,500 | $194.19 | $58,257 | $33,257 | | 15% | $28,750 | $203.02 | $60,905 | $35,905 | | 20% | $30,000 | $211.84 | $63,553 | $38,553 | | 25% | $31,250 | $220.67 | $66,201 | $41,201 | | 30% | $32,500 | $229.50 | $68,849 | $43,849 | Each additional 5 points of dealer fee adds about $8.83 to the monthly payment and about $2,650 to the total repaid. A 30% fee costs roughly $15,900 more over 25 years than the same loan with no fee. ## The Real Cost of a 25% Dealer Fee Here is a worked example: a $25,000 system, a 25% dealer fee, 6.99% APR and a 25-year term. - Cash price: $25,000 - Dealer fee added: $6,250 - Amount financed: $31,250 - Monthly payment: $220.67 - Total paid over 25 years: $66,201 - Total interest paid: $34,951 - Cost above the cash price: $41,201 Over the life of the loan you pay 2.65 times the cash price of the system. Measured against the cash price rather than the amount financed, the effective rate on this loan is about 9.6%, not 6.99%. The fee also follows you if you sell or refinance early. After seven years of payments on this loan, the remaining balance is still higher than it would have been on a $25,000 loan at the same rate, because part of every payment has been servicing the fee. How to spot the dealer fee in paperwork Ask the installer directly: “What is the cash price of this system if I pay without financing?” Then compare it with the amount financed on your Truth in Lending disclosure. If the installer will not give a cash price in writing, treat that as a warning sign. ## Can You Avoid the Dealer Fee? - Pay cash and negotiate the cash price directly. - Use a home equity loan or HELOC from a bank or credit union. There is no dealer fee, though your home secures the debt. - Use a personal loan from a direct lender. There is no dealer fee, but the rate is usually higher and the term shorter. - Ask for a smaller-fee tier. A higher APR with a smaller fee can cost less, or more, depending on the numbers. Compare the total of payments for each option. - Negotiate. Some installers will absorb part of the fee on larger systems, especially when you have a competing cash or equity quote. ## Dealer Fees on Home Improvement Loans The same model applies when a contractor offers GoodLeap financing for HVAC, roofing, windows or other upgrades. The fee may be smaller on short terms, but promotional loans add a second risk: deferred-interest offers can charge interest back to the start date if the balance is not paid in full by the deadline. Ask whether a promotion is “no interest” or “deferred interest”, and get the payoff deadline in writing. ## What to Do If You Already Signed - Check whether you can still cancel. The FTC’s Cooling-Off Rule generally gives you three business days to cancel a sale of $25 or more made at your home, and some states give longer. Send the cancellation in writing. - Read your Truth in Lending disclosure. Compare the amount financed with the cash price you were quoted to see the fee you are paying. - Ask about refinancing later. If your credit improves or you build equity, a no-fee loan could replace the original. Check the agreement for any prepayment terms first; GoodLeap does not charge a prepayment penalty. - Report misleading sales practices to the CFPB and your state attorney general if the fee or payment was misrepresented. ## Does Every Solar Lender Charge a Dealer Fee? Point-of-sale solar lenders generally do. GoodLeap, Sunlight Financial and Dividend Finance all work through installers using this model. Mosaic, which used the same model, stopped originating new loans after its 2025 bankruptcy. Home equity lenders, personal loan lenders and cash purchases do not involve a dealer fee, which is why they belong in any comparison. Model the Dealer Fee ## Frequently asked questions **Q: What is the GoodLeap dealer fee?** It is a charge the installer pays GoodLeap for offering a particular loan, commonly reported at 15% to 30% of the system price. The installer adds it to the price you finance, so you borrow the fee and pay interest on it. **Q: Why does GoodLeap charge a dealer fee?** The fee lets the installer offer a lower advertised interest rate. In effect, it is a rate buy-down paid through your loan principal. Longer terms and lower rates usually carry larger fees. **Q: Can I avoid the GoodLeap dealer fee?** You can avoid it by paying cash, using a home equity loan or HELOC, or using a personal loan from a direct lender. If you finance through an installer, ask for the cash price in writing and compare it with the amount financed. **Q: Do other solar lenders charge a dealer fee?** Point-of-sale solar lenders generally do. The CFPB found these fees typically range from 10% to 30% of the cash price and are often not reflected in the stated APR. --- # GoodLeap Alternatives: Your Solar & Home Improvement Financing Options in 2026 GoodLeap is one of the largest residential solar lenders in the US by volume, but the alternatives have changed sharply since 2025. Mosaic stopped writing new loans, the federal homeowner solar credit ended, and leases now play a bigger role. Here is what is actually available in late 2026 and when each option makes sense. ## The short version - Mosaic no longer issues new solar loans after its June 2025 Chapter 11 filing, so it is not a live alternative for a new project. - Remaining point-of-sale lenders such as Sunlight Financial and Dividend Finance use the same dealer-fee model. Confirm a lender is actively funding before you sign. - In our worked example, a no-fee home equity loan at 8.5% over 20 years costs $52,069 in total, against $66,201 for a 6.99% solar loan carrying a 25% dealer fee. - Leases and PPAs can price more aggressively in 2026 because the leasing company, not you, may still qualify for a business tax credit. ## Your Options at a Glance Every option below can pay for the same rooftop system. They differ in who owns the equipment, whether a dealer fee is added to what you borrow, and how the 2026 tax rules treat them. | Option | Who owns the system | Dealer fee in the principal | Federal credit for a 2026 install | Main thing to watch | | GoodLeap loan | You | Yes, commonly 15%–30% | None for the homeowner | The fee is not part of the APR | | Other point-of-sale lenders | You | Yes, same model | None for the homeowner | Confirm the lender is still funding | | Home equity loan or HELOC | You | No | None for the homeowner | Your home secures the debt | | Unsecured personal loan | You | No | None for the homeowner | Higher rate, shorter term | | Solar lease or PPA | The leasing company | No (priced into payments) | The owner may claim Section 48E | Escalators and home-sale transfer | | Cash | You | No | None for the homeowner | Get the true cash price in writing | The One Big Beautiful Bill Act (Public Law 119-21, signed July 4, 2025) ended the 30% Residential Clean Energy Credit (Section 25D) for systems completed after December 31, 2025, and ended the Energy Efficient Home Improvement Credit (Section 25C) for property placed in service after the same date. That applies to every ownership option above, which is why the cash price and the dealer fee now carry even more weight in the comparison. ## What Happened to Mosaic Mosaic was long the closest competitor to GoodLeap in point-of-sale solar lending. It filed for Chapter 11 on June 6, 2025. In September 2025, Solar Servicing LLC, a subsidiary of Forbright Bank, agreed to acquire the business and said it had no plans to originate new solar loans, while continuing to support existing borrowers (pv magazine USA). If an installer still offers Mosaic financing for a new project, ask which lender will actually fund the loan and get the answer in writing. Existing Mosaic borrowers keep their original terms; payments and questions go to the servicer named on the most recent statement. ## GoodLeap vs Other Point-of-Sale Lenders Sunlight Financial emerged from a Chapter 11 restructuring in December 2023 and continues to market loans through installer partners. Dividend Finance was acquired by Fifth Third Bancorp in 2022 and operates as a point-of-sale lender for solar and home improvement projects. Both work much like GoodLeap: the installer presents the loan during the sales visit, approval arrives in minutes, and a dealer fee is added to the amount you finance. Because the structure is so similar, the practical difference usually comes down to two things: which lenders your installer is enrolled with, and what dealer fee each lender charges for the term you want. Ask the installer for the cash price and the financed price under every lender option. The option with the smallest gap between those two numbers is usually the cheaper one, even when its advertised APR is higher. Lender availability has shifted repeatedly since 2023. Before you sign, check the lender's license status on NMLS Consumer Access and ask the installer when that lender last funded one of their projects. ## GoodLeap vs a Home Equity Loan or HELOC For homeowners with meaningful equity, a credit union home equity loan or HELOC is often the cheapest way to pay for solar or a major upgrade. There is no dealer fee, so you borrow only the cash price. Rates follow the market, and most HELOCs are variable, so compare the full repayment cost rather than the starting rate. | Worked example: $25,000 cash price | Amount borrowed | Monthly payment | Total repaid | | Solar loan, 6.99% APR, 25% dealer fee, 25 years | $31,250 | $220.67 | $66,201 | | Home equity loan, 8.5%, no fee, 20 years | $25,000 | $216.96 | $52,069 | | Home equity loan, 8.5%, no fee, 25 years | $25,000 | $201.31 | $60,392 | The rates are illustrative, not quotes. The point is the structure: even at a higher interest rate, borrowing only the cash price can beat a lower-rate loan that is built on a larger principal. Trade-offs include a lien on your home, closing timelines of a few weeks, and possible appraisal or closing fees. A home equity loan also separates the financing decision from the installer, which removes the pressure to sign at the first appointment. ## GoodLeap vs an Unsecured Personal Loan A personal loan from a bank, credit union or online lender has no dealer fee and no claim on your home, and the funds can go to any installer you choose. The catch is a higher APR and a shorter term, often seven years or less, which raises the monthly payment. Borrowing $25,000 at 11% over seven years costs about $428 a month and $35,957 in total. That is a heavier monthly bill, but far less in total than a 25-year loan. Personal loans tend to work best for smaller projects such as a battery add-on, an HVAC replacement or a partial roof. The comparison form on this site shows personal and installment loan offers; it is not a GoodLeap application. ## GoodLeap vs a Solar Lease or PPA With a lease or power purchase agreement, a company owns the panels and you pay a monthly fee or a price per kilowatt-hour. Since the homeowner credit ended for systems completed after December 31, 2025, leasing has gained an edge: under current law, a business that owns a residential system may still claim the Section 48E investment credit if the project begins construction by July 4, 2026 or is placed in service by the end of 2027. Some of that value can show up as lower lease pricing. The downsides have not changed. You do not own the equipment, many contracts include annual price escalators, and selling the home means the buyer must qualify for and accept the contract. Sunrun and Palmetto's LightReach are among the larger lease providers. ## Which Option Fits Which Situation? - You have home equity and can wait a few weeks: start with a home equity loan or HELOC quote from a credit union. - No equity, strong credit, smaller project: compare an unsecured personal loan. - No equity, you want to own a larger system: a point-of-sale loan from GoodLeap or another active lender, after comparing the cash price with the financed price. - You do not want to own equipment or carry a loan: a lease or PPA, after reading the escalator and transfer terms. - Cash is available: pay cash and negotiate. The cash price is the benchmark for every other option. Compare Loan Options ## Frequently asked questions **Q: Is Mosaic still an alternative to GoodLeap?** Not for new projects. Mosaic filed for Chapter 11 in June 2025, and the buyer of the business said it had no plans to originate new solar loans. Existing Mosaic loans continue to be serviced. **Q: What is the cheapest alternative to a GoodLeap solar loan?** For homeowners with equity, a home equity loan or HELOC is often cheapest because there is no dealer fee. In our example, borrowing the $25,000 cash price at 8.5% over 20 years costs $52,069 in total, against $66,201 for a 6.99% solar loan with a 25% dealer fee. **Q: Can I still get the 30% federal solar tax credit in 2026?** No, not as a homeowner who buys the system. The Section 25D credit ended for systems completed after December 31, 2025. A leasing company that owns a system on your roof may still qualify for the Section 48E business credit under current law. **Q: Do other solar lenders charge dealer fees too?** Yes. Point-of-sale solar lenders generally use the same model. The CFPB found that these fees typically range from 10% to 30% of the cash price and are often not reflected in the stated APR. --- # GoodLeap Solar Loan Calculator Model what a GoodLeap-style solar loan will actually cost, including the dealer fee the installer rolls into your financed amount. Enter your system price, dealer fee, APR, and loan term to see the monthly payment, total interest, and true cost of borrowing. System cash price ($) Dealer fee (%) 25 APR (%) 6.99 Loan term (years) 5 years 10 years 15 years 20 years 25 years Calculate ## Loan Breakdown System cash price$25,000 Dealer fee (25%)$6,250 Amount financed$31,250 Monthly payment$220.67 Total interest paid$34,951 Total cost of borrowing $66,201 ## How to read these numbers The calculator shows how much a solar loan actually costs when the installer rolls a dealer fee into the amount financed. The dealer fee is a commission the installer pays to GoodLeap or whichever point-of-sale lender originated the loan. Common dealer fee ranges run 15% to 30% of the system price, which inflates both the principal and the total interest paid. If the installer offers you the same system at a lower cash price, the real cost of financing is the difference between the loan total and the cash price. In the default example above — a 25,000-dollar system at 25% dealer fee, 6.99% APR, 25-year term — the loan total of 66,201 dollars is 2.65 times the cash price. These are indicative figures Actual GoodLeap loan terms depend on your credit profile, state, loan structure (Standard, Flexpay, Go Green Refi), and the dealer fee your installer negotiates with GoodLeap. Use this calculator as a starting point, not a final quote. A real quote comes from your installer in writing. ## What the calculator does not model - Federal tax credits. The 30% homeowner solar credit (Section 25D) ended for systems completed after December 31, 2025, so the calculator does not subtract one. If your system was completed earlier, the credit lowers your net cost, but it only reduces the loan balance if you use it to prepay. - Utility bill savings. The solar system should reduce your electricity bill, offsetting part of the loan payment. Savings depend on your utility rate, system production, and net metering policy. - State tax credits and rebates. Many states offer additional solar incentives that lower effective cost. - Promotional-period loans. If your installer offers a 0% interest period, the math changes significantly. Those loans typically accrue interest retroactively if the balance is not paid in full by the promotional end date. Compare Loan Options --- # GoodLeap Login Help If you have an existing GoodLeap loan and need to access your account, make a payment, or update your contact information, here is where to find the official GoodLeap customer portal and what to do if you are locked out. Important: this is not the GoodLeap login page This site is an independent review platform and does not host the GoodLeap customer login or process account access. For GoodLeap account access, go directly to goodleap.com or use the official GoodLeap mobile app. ## Where to Log In to Your GoodLeap Account - the lender website. Visit goodleap.com and use the "Sign In" or "Customer Portal" link in the main navigation. - GoodLeap mobile app. Available on the Apple App Store and Google Play Store. Use the same credentials as the website. - Direct customer service phone. 1-844-562-6725. Available during standard business hours in Pacific Time. ## What You Can Do in the GoodLeap Customer Portal - View your current loan balance, next payment amount, and due date - Make a one-time payment or set up automatic recurring payments - Update your bank account information for ACH payments - View statements and payment history - Access tax documents, including the 1098 for interest paid - Submit a payoff quote request if you plan to pay the loan in full - Update your contact information, mailing address, email, and phone number ## What to Do If You Cannot Log In - Confirm you are on the official GoodLeap website (goodleap.com) and not a lookalike phishing site. - Use the "Forgot Password" link to reset your password through the email address on file. - If your email address on file is outdated, you will need to call GoodLeap customer service to reset credentials with identity verification. - If you have never created a GoodLeap account but have an active loan, your installer should have sent you a welcome email with portal registration instructions. Check your email for messages from the company or Loanpal (the former company name). ## Making Your GoodLeap Payment on Time GoodLeap reports loan performance to the major consumer credit bureaus. A late payment on a GoodLeap loan will be reflected on your credit report and can lower your FICO score. Automatic payment through ACH is the safest way to ensure on-time payments. If you cannot make a payment, contact GoodLeap customer service before the due date to discuss options — some hardship programs are available on a case-by-case basis. ## Flexpay Re-amortization: What to Watch For If your GoodLeap loan is a Flexpay-style structure, your payment was set on the assumption that you would make a lump-sum prepayment within the first 18 months, historically funded by the 30% federal solar tax credit. If you do not make it, the loan re-amortizes and the payment rises. If your system was completed on or before December 31, 2025, you may still be able to claim the credit on your 2025 return. If it was completed in 2026, there is no federal homeowner credit, so plan to fund the prepayment from savings or budget for the higher payment. Set a reminder for month 16 or 17 and confirm your exact reset date with GoodLeap customer care. If you are shopping for a new solar or home improvement loan rather than managing an existing one, see our GoodLeap review or compare lending options. ## Why Online Account Access Matters Managing a long-term installment loan requires reliable digital access to loan details. Modern consumer finance has shifted almost entirely online: paper statements are optional on most products, payment reminders arrive by email or text message, and tax documents are typically delivered as PDF downloads rather than mailed. If you cannot log in reliably, you lose visibility into your loan balance, your upcoming payment amounts, and the running total of interest paid for your annual tax filing. Modern consumer lenders also use the online portal to communicate rate change notices, hardship program eligibility, promotional offers, and amortization adjustments. Missing those messages because of a login problem can cost real money. A quarterly habit of logging in, confirming the next payment amount, and reviewing the recent statement is one of the cheapest forms of personal financial hygiene available. If you share financial accounts with a spouse or partner, each adult on the loan agreement should be able to log in independently. Some lender portals allow authorized user access for a second person, while others require sharing a single login. Clarify this when you set up the account, because adding a second user months later sometimes requires calling customer service and verifying identity for both parties. For security, use a unique password that you do not use anywhere else, enable two-factor authentication if the portal supports it, and avoid accessing sensitive financial accounts over public WiFi networks. If you suspect your login credentials have been compromised, contact the lender's fraud line immediately — do not wait for the next business day. --- # Compare Financing Options GoodLeap financing loans are only available through partnered contractors — you cannot apply directly on the GoodLeap website for solar or home improvement loans. If you are weighing a GoodLeap offer or looking for an alternative, use the form below to see personal loan and installment loan options from licensed US lenders. ## What this form does - Connects you with a network of licensed personal loan and installment loan lenders in the US - Does not submit a GoodLeap loan application. GoodLeap applications must be initiated through a solar installer, HVAC contractor, roofer, window company, or other home improvement partner. - Does not guarantee an offer. Lender approval depends on your credit profile, income, state of residence, and the lender's underwriting criteria. - Does not perform a hard credit pull at this stage. Some participating lenders may perform a soft credit check to generate a prequalified offer. Not all states supported The lenders in this network do not currently serve New York, Vermont, West Virginia, or Arkansas. If you reside in one of those states, consider contacting a GoodLeap-partnered contractor directly, or applying with a local credit union or bank that offers home improvement loans. ## Compare Lending Options Compare personal loan and installment loan alternatives from licensed US lenders. Rates and terms vary by lender and your qualification profile. Submitting the form does not guarantee an offer. ## Before you submit If you are specifically shopping for solar or home improvement financing, understand that these alternative lenders typically offer unsecured personal loans and installment loans — not point-of-sale solar financing. The APR, loan amount, and term will differ from a GoodLeap solar loan. A personal loan may actually be the better option for a smaller home improvement project (under 15,000 dollars) because there is no dealer fee rolled into the financed amount. ## What happens after you submit - Your information is shared with lenders in the network who serve your state and loan amount range - Lenders may send prequalified offers or direct you to their application page - Review each offer carefully: APR, total of payments, fees, and the fine print on prepayment and late charges - Only accept an offer you have read in full and understand - If you proceed, the lender will perform a hard credit pull before final approval See our advertising disclosure for information on how this site is compensated. We are not GoodLeap, LLC and do not represent GoodLeap financing products. --- # About GoodLeap Financing Loans GoodLeap Financing Loans is an independent editorial review site covering the lender, LLC and the broader US residential solar and home improvement lending market. We are not the lender. We are not a GoodLeap partner. ## Our Editorial Mission Homeowners researching solar panel installation, HVAC replacement, roofing, or other sustainable home upgrades deserve clear information about how the financing works — including the parts the installer may not explain. This site exists to document the real cost of GoodLeap financing loans, including the dealer fee and promotional-period structures that affect what the loan actually costs over its full term. ## Editorial Standards - We cite public sources: GoodLeap product disclosures, Kroll Bond Rating Agency securitization filings, CFPB complaint database, state licensing records (NMLS #30336), and Trustpilot and EnergySage homeowner reviews. - We do not fabricate ratings, review counts, or testimonials. - Our editorial rating methodology is explained on the GoodLeap Reviews page. - We disclose our compensation model on every page through a header advertising disclosure strip and on our full disclosure page. - We update content when GoodLeap changes product terms, APR ranges, or qualification criteria. The last substantive update date is listed in each page footer. ## Who We Are GoodLeap Financing Loans is maintained by an editorial team that writes about consumer financial products in the US market. We do not use fabricated expert personas on this site. All content is attributed to the editorial team collectively. ## How This Site Is Funded We earn revenue when a reader submits an inquiry through the Apply page and that inquiry is matched with a third-party lender in our advertising partner network. We do not receive compensation from the company, LLC. The lenders in our partner network are not the company and offer different loan products (personal loans and installment loans) as alternatives to point-of-sale solar and home improvement financing. See our advertising disclosure for the complete compensation model. ## What We Do Not Do - We do not process GoodLeap loan applications. - We do not have access to your GoodLeap loan account. - We cannot modify your GoodLeap loan terms or payment schedule. - We cannot resolve disputes between you and GoodLeap or your installer. - We do not sell personal data to third parties outside the application flow you initiate. ## Contact For editorial corrections, factual disputes, or press inquiries, see our contact page. --- # Advertising Disclosure In compliance with the Federal Trade Commission's Guides Concerning the Use of Endorsements and Testimonials in Advertising (16 CFR Part 255), GoodLeap Financing Loans discloses its advertising relationships below. Last updated October 24, 2026. ## Short Version We may receive compensation when a reader submits the Apply form on this site and is matched with a licensed third-party lender in our advertising partner network. This compensation does not influence what we write about GoodLeap or any other financial product. We are not GoodLeap, LLC, and we do not receive any compensation from GoodLeap. ## How We Earn Revenue This site is operated as an independent editorial review platform supported by advertising revenue. The advertising model works as follows: - We publish editorial reviews of GoodLeap, LLC products, including solar loans, home improvement financing, and mortgage products. - Readers who want to compare personal loan and installment loan alternatives submit the Apply form. - Information from the Apply form is routed to lenders in an advertising partner network maintained by a third-party aggregator. - Lenders that match the reader's state and loan parameters may extend prequalified offers. - We receive a small advertising fee for connecting readers with the partner network. This fee is paid whether or not the reader ultimately accepts a loan offer. ## What This Means for Our Editorial Content Our editorial opinions are not for sale. We rate GoodLeap products based on publicly available data (loan disclosures, state license filings, CFPB complaint data, Trustpilot and EnergySage reviews, and Kroll Bond Rating Agency securitization reports), not on advertising revenue. Our editorial rating of GoodLeap is 3.2 out of 5, which is a mixed verdict. If editorial independence meant inflating that rating to drive more advertising revenue, we would do so. We do not. ## Which Lenders Appear in the Partner Network The partner network is maintained by a third-party advertising aggregator and includes licensed personal loan and installment loan providers in the US. The specific lenders in the network change over time based on their advertising budgets, loan product availability, and state licensing. The network does not currently include loans for New York, Vermont, West Virginia, or Arkansas residents. ## What We Do Not Receive - No compensation from GoodLeap, LLC - No referral fees from Trustpilot, EnergySage, or review aggregators cited in our content - No payment for positive reviews of any lender - No cryptocurrency, equity, or in-kind compensation in exchange for coverage ## Compliance Notes This disclosure is provided in compliance with: - Federal Trade Commission Act and 16 CFR Part 255 - Truth in Lending Act (Regulation Z) — all APR figures published on this site are indicative; actual loan APR is set by the lender in the Truth in Lending Act disclosure at loan signing - Consumer Financial Protection Bureau guidance on marketing of consumer credit products ## Contact Questions about this disclosure: editor@goodleapfinancingloans.com --- # Contact GoodLeap Financing Loans Editorial corrections, factual disputes, partnership inquiries, and privacy requests all have the same email address and the same expected response time of two to three business days. If you are a GoodLeap customer, this is not GoodLeap We do not have access to your GoodLeap loan account and cannot help with payments, loan modifications, or installer disputes. For GoodLeap account support, call GoodLeap directly at 1-844-562-6725 or visit goodleap.com. ## Editorial Contact For factual corrections, source clarifications, or editorial questions about the content on this site: - Email: editor@goodleapfinancingloans.com - Response time: 2 – 3 business days ## Partnership and Advertising Inquiries - Email: partnerships@goodleapfinancingloans.com ## Privacy Requests (CCPA, GDPR) To request access, correction, or deletion of personal data under California Consumer Privacy Act (CCPA) or the EU General Data Protection Regulation (GDPR): - Email: privacy@goodleapfinancingloans.com See our privacy policy for a complete explanation of what data is collected on this site and how it is used. ## What Not to Email Us About - Your GoodLeap loan balance or payment schedule — contact GoodLeap directly. - A dispute with your solar installer — contact the installer, your state's consumer protection office, or the CFPB. - Legal advice about a GoodLeap loan — consult a licensed consumer protection attorney in your state. ## Postal Address Postal mail accepted at the mailing address disclosed on request. We do not maintain a public office address on this website due to the volume of unsolicited mail. ## Response Time Expectations Our editorial team reviews incoming email within two to three business days from Monday through Friday, excluding US federal holidays. We do not maintain a 24/7 customer service line because this website is a review platform, not a lender, servicer, or customer-facing financial institution. Readers with urgent questions about an active loan should contact their lender's customer service line directly, where live agents are typically available during business hours in Pacific or Eastern time depending on the lender. For editorial inquiries that require detailed fact-checking or verification of source material, response time may extend to one week. We prefer accuracy over speed. If you have identified a factual error in any article, please include the specific URL, the sentence or paragraph in question, and the source material supporting your correction. Verified factual corrections are published with a dated note at the bottom of the affected article. Press and media inquiries receive priority routing. If you are a journalist working on a story and need expert commentary on residential solar lending, point-of-sale financing practices, dealer fee economics, or the regulatory landscape for consumer home improvement loans, mention your deadline and publication in the subject line and we will respond as quickly as possible.