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If you want to learn more about your financing options, check out our expert review of our top 6 solar financing companies. A secured loan is where your loan is protected by an asset. Once you receive the tax credit refund you can pay down that much of the loan. Headquartered in Boston, MA with offices in Oakland, CA and Honolulu, HI, Sungage currently operates in 44 states, plus the District of Columbia. With many other lenders, you will have to pay interest for the entirety of the loan including the 26% tax credit portion, however, this isnt the case with Sungage Financial. As discussed above NYS offers a low interest rate (3.49% 5.99%) loan that can cover up to $25,000 of the Total System Cost. The next best investment return option may be to use your HELOC for the full Contract Cost if you have one, or apply for one now. Contact us and well be happy to walk you through it. Sungage helps you shine. With this increase, Sungage Financial now offers the highest industry loan cap, with the minimum loan amount offered being $7,500. Sungage Financial offers loans in 5, 10, 15, and 20-year terms. Kelly Pickerel has over a decade of experience reporting on the U.S. solar industry and is currently editor in chief of Solar Power World. Everything went smooth and easy to get ahold of someone. The only thing is that there is no chance to pay off loan early to save money since it is a 0% and interest free loan. Easy to understand and be confident re the arrangements.The finance person was Courteous and Careful to make sure we understood the details answering any questions we had. They generate a total of 6,120 KW of DC power or 7,344 kWhr of AC power. Again, with a payback period of 9.1 years and a return on investment of 15.3% youve got a lot of leeway. This means that when you receive a solar loan from Sungage Financial, your loan is actually coming from NBT Bank. Solar policy differs across state lines and regions. The Process was quick, easy and painless. This is where Sungage Financial and their solar loans can help out. The business provides homeowners with easy online access to low-costfinancingfor residential solar equipment. **************** I was made aware that my lone of zero interest portion of my lone has matured and i will have to start paying interest on my lone just one year into the lone. Two close friends of mine are now receiving 0% on their solar loans. In this case the numbers could be as follows: In this case the Out of Pocket is $0. That means that the consumer gets a higher upfront solar gross price for that rate. More information, including Brands Sold, Products Sold, Month in Operation, Provides Delivery, Pet Friendly and more. That is ****** .42 A total rip off no one ever mentioned this to me and i am still paying my energy cost and the lone payment. Well guide you through the process. Sungage Financial makes going solar easier by connecting you with a trusted solar loan lender. Learn more: How much will solar panels cost to install on your specific home in 2022? NYS offers a low interest rate loan that: Sungage Financial (0% on Tax Credit Portion, 5.49% 6.49% on remainder). If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. Here are 8 tips for writing great reviews. Verification can help ensure real people write reviews about real companies. Self-Employed: Stop paying quarterly taxes. Great experience thorough, clear and helpful. Keep in mind your actual interest rate will likely vary based on multiple factors. With their flexible loan terms, zero-interest tax credit deferral, and a wide range of loan amounts, a Sungage loan is an impressive financing option. These extended family households are not only using more energy, but they are also pursuing solar energy and storage autonomy. When one of the installers from their network creates a quote for a potential customer, they will include a built-in financing option from Sungage. If youre in the market for a solar system and are comparing quotes from solar installers, then you may have already come across a Sungage loan option. The overall process was easy. Should you finance solar with Sungage Financial solar loans? Thats why they offer various solar loan terms to meet each customers needs. Sungage Financial is available in 46 states and the District of Columbia and provides financing for residential solar, battery and roof work through a network of experienced, qualified installer partners. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. They are putting that lost interest that the bank would have earned into the gross loan amount! https://www.yelp.com/biz/sungage-financial-boston, http://www.yellowpages.com/boston-ma/mip/sungage-financial-523554802?lid=523554802, International Association of Better Business Bureaus. You can also go to our solar panel calculator to find out what solar will cost in your area. If Sungage Financial isnt for you, then there are many other solar financing companies that you could consider instead. Sungage enables solar installers to build strong and resilient businesses while helping families save money and live more sustainably. Sungages range of loan terms means that more people are given access to their solar loans. Sungage Financialis a provider of loans designed specifically for residential solar installation. Remember, in this case the Total System Cost is $20,250, whereas the Contract Cost is $17,802. Is it better to lease or buy solar panels? With little to no upfront costs, Sungages financial services provide homeowners with the opportunity to have a solar power system installed on their home. This new 0% interest rate helps us achieve our mission to help as many homeowners as possible realize the benefits of solar energy ownership by providing the most affordable path to a renewable energy future, said Michael Gilroy, Sungage Financial CEO. Everything was a smooth and easy process and sungage answered any questions in a timely manner. Cameron is a business analyst and content specialist at SolarReviews. In fact, Sungage can finance up to $50,000 for solar batteries with interest rates as low as 0.99%. 2022 Accelerate Media | Website design: You can use this to cover the full Contract Cost, This includes the NYS and Federal Tax Credits. Having all these people and so many kids in the household means that they are all going to cook, do laundry, and go about lifes business, which uses a lot of energy.. Sungage offers loans up to $150,000 with 0% rates across terms from five to 25 years, that incorporate tax credits and certain local incentives. There is also no prepayment penalty on any of their solar loans. With Sungage being an exclusively solar loan lender, you will also experience the benefits of expert customer support throughout the loan process. How many solar panels do I need to maximize savings? Very Easy 0 percent interstPaid by reduction in power bill. neovolta six Through their network of installers, Sungage is able to exclusively offer their solar loans. Unfortunately, Sungage provides very limited useful information on their website. Based in Boston, Massachusetts, Sungage Financial is aiming to make going solar easier and more accessible for homeowners with their unique loan options and processes. It was all taken care of. The advantages of Sungage are that: Of course any financing negatively impacts your payback period and return on investment. Every person that I encountered was pleasant, friendly, sweet and understanding to my needs. BBB Business Profiles are subject to change at any time. It includes a loan for the Tax Credit Portion at 0% for 12 months. As a matter of policy, BBB does not endorse any product, service or business. The homeowner will then make their first payment 60 days after the solar project completion, and continue to make monthly payments until the loan is paid off. Many homeowners dont have the $15,000 - $25,000 it costs to buy a system outright. The process was easy to follow & understand. BBB Business Profiles generally cover a three-year reporting period. BBB reports on known marketplace practices. Fortunately, you dont have to sign over your home as collateral for a Sungage loan - Sungage uses the solar equipment itself to secure the loan. The average residential solar system is approximately 8kW and will cost under $20,000 after the federal solar tax credit. The interest rates for their solar loans will vary between 4.49% to 7.24%, depending on a number of factors. Using the savings from lower utility bills you can play the loan down on an accelerated basis to enhance your investment return. The next best investment return option to achieve a zero out of pocket cost is to use a Sungage Financial loan for which the numbers play out as follows: Ive tried to rank order these options from least to most interest rate. If youre wanting to pair a battery with your solar system installation, then a Sungage solar loan can be used to cover the costs. Photos accompanying this announcement are available at: https://www.globenewswire.com/NewsRoom/AttachmentNg/8729a73c-e91a-4298-b68b-07ea5f994235, https://www.globenewswire.com/NewsRoom/AttachmentNg/dd83685d-118b-48ce-9637-337ba2f1c407, https://www.pewresearch.org/social-trends/2022/03/24/financial-issues-top-the-list-of-reasons-u-s-adults-live-in-multigenerational-homes/. This provides the lender with security, so if you cannot pay off your loan, then the bank will sell your collateral to pay off the loan. To reiterate, there is a qualification process for the NY-Sun Smart Energy Loan and it does vary in relation to ones income. Your far more advantaged financing options are listed below starting with the lowest interest rate: Home Equity Line of Credit (3.49% 4.49%). We use dedicated people and clever technology to safeguard our platform. All reviews are published without moderation. Once you do receive your tax refund you could pay that much of the loan down leaving your loan balance at approximately $8,011. I was impressed by the ease at which Sungage Financial handled and approved my loan. Dont feel bad Ryan, you got a great deal! Each solar installation must be designed specifically for your specific situation, and Sungage believes the same is required for a solar loan. BBB is here to help. When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints. Coming up with the upfront costs to install a solar system on your home can be difficult. Sungage operates as the connector between homeowners and consumer-friendly financing options. Companies can ask for reviews via automatic invitations. What are the pros and cons of solar energy? Employees: Significantly increase your deductions to pay less tax. About Sungage FinancialSungage Financial is shaping the residential solar industry by offering reliable and flexible financing solutions at the lowest rates available. Using about 7,500 kWhr of electrical AC power per year. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles. It is important to note that Sungage Financial is not a bank but rather operates through their partnership with NBT Bank; which allows themto offer a wide array of residential solar loans. | Source: Another requirement is that the location of the desired solar installation must be your primary residence. As a side note, there are a couple of forward thinking cash flow management strategies that allow you to take your Tax Credits in the year of the installation, rather than waiting for a refund in the following year, as follows: Have questions about this strategy? In fact, Hawaii ranks #1 in the United States for the most multigenerational families sharing a roof, according to the U.S. Census Bureau, with more than 250,000 people living in multigenerational households. Very helpful with the loan process and explaining how it works. Sungage then offers a simplified step-by-step loan application method that will take under five minutes to complete. Replies to negative reviews in < 24 hours. With little or no upfront costs, flexible loan terms and a loan cap of $150,000, Sungage are able to provide a wide array of loan options. Once you install a solar system, you receive the credit on your next years taxes. Customer Reviews are not used in the calculation of BBB Rating, Need to file a complaint? For more information, please visit www.sungagefinancial.com. How BBB Processes Complaints and Reviews, Better Business Bureau Serving Eastern MA, ME, RI & VT. BBB Business Profiles may not be reproduced for sales or promotional purposes. Labeled Verified, theyre about genuine experiences.Learn more about other kinds of reviews. Next, on to leasing and why that is the least advantaged option of all, GUIDE TO CHOOSING THERIGHT SOLAR COMPANY , Proudly Serving: Rochester | Brockport | Macedon | Caledonia | Batavia | Canandagauia | Honeoye | Bergen | Bloomfield | Pittsford | Greece | Geneso, 2226 North Road, Scottsville, 14546 (Office) - 335 Kavanaugh Road, Honeoye Falls, NY 14472 (R&D Center). Yes, it is entirely possible to have a solar array installed on your home with no money down. Another impressive feature of Sungages solar loans is that they require no down payment. The number of people living in multigenerational housing has quadrupled in the past 30 years, reaching nearly 60 million, or 18% of the U.S. population, according to PEW research.1 Sungage Financial, a residential solar finance company operating in 45 states, first noticed this emerging trend and need for higher solar financing options in Hawaii. So easy for our busy lifestyle. Before you consider a solar loan from Sungage Financial, heres what you should know. This means the lender will hold the title over the asset until the loan is paid in full. A Sungage solar loan is a credit-based loan, so in order to qualify you will need a minimum FICO score of 640 and a maximum debt-to-income ratio of 50%. This makes it quite difficult for those searching for a solar loan to find answers or even get an understanding of Sungages services. So that means your HELOC also covered all of the Tax Credits ($5,341 + $4,451 = $9,792). Not only were the staff gracious, they were readily available and their service was clear and prompt. Well explain the liabilities of leasing later. You can find your interest rate, loan approval criteria and application link on the. The whole experience was very pleasant, Talking to a live person each and every time I called was a treat. Never go solar. Financing to meet the energy needs of our extended family homes makes their switch to solar more easily attainable, helping families offset Hawaiis high utility bills with manageable fixed solar loan payments that are not subject to ever-increasing rates, Tyler Erickson of Skyta Solar and Roofing, one of Hawaiis premier solar companies and a long-time Sungage Financial partner, said. It would me nice if there was a chance to pay it off early and save money. loans matadors amortizing This also means that you dont need home equity to get approved for a loan. Sungage recently increased their maximum solar loan amount to $150,000. All of Sungages solar loans are secured loans. Financial savings, caregiving for both elderly and children, sharing of chores and rising property prices are among the key reasons cited for choosing multigenerational living, which most adults find very rewarding. Sungage made the experience very easy.. Sungage Financial always advises the homeowner to consult their tax professional to learn how the **************** Tax Credit (ITC) will impact their taxes specifically.Certain tax circumstances (e.g. I had never heard of Sungage before this but they have done a good job making the financing easy to do. Sungages maximum solar loan amount is impressive, but we see it as being excessive. Anyone can write a Trustpilot review. The process was smooth, no hassles, and easy to complete . How much will solar panels cost to install on your specific home in 2022? This is the 4th survey I have taken in 3 days. Its about fostering love and lasting relationships with our extended families in addition to the economic and social benefits. You may already know that when you purchase a solar panel system, youre eligible to claim the 26% federal solar tax credit. If the NYSERDA Smart Energy Loan doesnt cover the full Contract Cost, this is another option to achieve the zero out of pocket objective. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. All Rights Reserved. Therefore if the project can be self-funded that is the better option. With these low monthly payments, financing can deliver sound economic advantages, including a solar loan payment that is usually lower than the electric bill it is replacing, plus the significant long-term savings.. The interest rate will vary in relation to ones income so the numbers need to be run to determine the exact interest rate. Sign up today for your free Reader Account. There is a qualification process for the NY-Sun Smart Energy Loan. Ohana is a very important part of our culture, Kim Keahiolalo of Sungage Financials Hawaii office explained. I completed my sungage solar loan on 1/25/2021 at 2.991%. Once your application is approved, the installation process will take place and when youre happy with the system, payment will be made to your installer. So, it really comes down to how best to leverage available cash flow now to create more positive cash flow in the future! Site Map | Privacy Policy | RSS, Solar Spotlight: Mitigating supply chain delays in the solar tracker market, Global Solar Panel Manufacturing Locations, Aurora Solar releases AI-driven PV sales and design services, GAF Energy to start second solar shingle manufacturing plant in Texas, Sonepar and EcoFasten announce U.S. partnership, Op-Ed: 6 ways your solar company can compete against Tesla and Sunrun. Its important to note that Sungage will only finance a solar battery installation if the battery is from one of their manufacturer partners. Thank you Sungage! This is a bit of a warning sign and can be problematic if youre trying to compare loan options. Bookmark, share and interact with the leading solar construction magazine today. Once one of Sungages installer partners has designed a solar power system that is right for your home, you will be given a link to a secure, online credit application. But beware this should be a wise financial investment that works for your family, not just for the lessor. All in all, we dont think Sungages maximum loan amount adds value to borrowers. Hi ******,We are sorry to hear that you didn't have enough tax liability to take advantage of your full federal investment tax credit this year. It's hard for old people to use internet..but you could call them and they were always helpful to explain everythingI think they are very good company. The amount loaned is tied to the amount of DC power generated too. 2012 - 2022 solarreviews.com. Thank you Sungage!! With the widest range of loan amounts in the market, Sungages solar financing will easily cover the cost of installing a residential solar energy system. I feel like we didn't have to really do anything. A typical 2,000 square foot suburban home. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Browse the current issue and archived issues of Solar Power World in an easy-to-use, high-quality format. We were amazed at the professional and yet personal way we were treated. Sungage has a large network of solar installers across the country. July 20, 2022 15:45 ET alternative minimum tax) may prevent or reduce the use of the credit. Again, we are so sorry that your tax situation didnt produce the full 26% federal tax credit this year and we encourage you to consult your tax professional about whether you can use the balance of the credit on your future tax filing.Please keep in mind that, in the event you do not repay all of the Deferred Payment Portion when planned, you can still make a lump sum payment later and lower your payment back to its original year one amount.If you do not pay the Deferred Payment Portion, your monthly payments would be slightly higher of course, but unlike other solar financing options, you will not pay any penalties or have an increase in your interest rate.I hope this provides clarity on the tax credit, and we encourage you to please call 844 SUNGAGE, or email: ****************************************** with any additional questions or concerns.Sincerely,Sungage Financial. Sungage Financial. The website was easy to use and the questions were worded so that you knew what they wanted you to do. If youre looking at going solar with one of Sungages installer partners and you cant cover the upfront costs, then a Sungage solar loan is a good choice. Sungage Financial Sungage provides residential solar financing to help homeowners make the smart switch to solar. Can cover up to $25,000 of the Total System Cost.. So it really comes down to how best to leverage available cash flow now to create more positive cash flow in the future! BOSTON and OAKLAND, Calif. and HONOLULU, July 20, 2022 (GLOBE NEWSWIRE) -- To help installers meet the growing demand for more complex solar and storage systems, Sungage Financial can now provide residential solar financing for up to $200,000 per project the highest standard industry loan cap. We cover 98% of this usage with 18 roof mounted panels of 340 Watts each. Click to see our monthly roundup of recent legislation and research throughout the country. This is where Sungage may provide an advantage over other lenders. Through these installer partners, Sungage are able to offer exclusive access to their solar loans. The amount loaned is tied to the amount of power generated. On the other hand with a payback period of 9.1 years and a return on investment of 15.3% (example used in incentives and tax credit piece) youve got a lot of leeway. This means that when it comes to tax time, youre able to receive your 26% tax credit and pay back that portion of the loan without any interest. Please stop! ____________________1https://www.pewresearch.org/social-trends/2022/03/24/financial-issues-top-the-list-of-reasons-u-s-adults-live-in-multigenerational-homes/. We absorb the financing fees in the Sungage Gross System Cost so this can be zero out of pocket if desired. If its too late to leverage the tax credit strategies mentioned above then once you receive your refund (Total Tax Credits = $5,341 + $4,451 = $9,792) you could use that to nearly pay off the loan ($10,894).

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