Solar Freedom Service Page

Solar Loan Help | Fight Predatory Solar Loans

Review solar loan terms, disclosures, dealer fees, and consumer resources. Available options depend on the documents and applicable law.

Dealer fees, TILA paperwork, and who actually holds the loan

Point-of-sale solar loans often involve three actors: the installer who sold the system, a lender or platform that funded it, and a servicer who sends the bills. GoodLeap and Sunlight Financial appear in many homeowner files on this site as examples of that split, not as the only lenders in the market. A dealer fee, if one exists, may be built into the amount financed. Whether it was disclosed in a way that matters is a document question under the Truth in Lending Act and the actual forms you signed. This page does not decide that any particular fee is unlawful.

The installer going quiet does not by itself retire the loan. Servicer vs installer is the first sorting task. Solar Freedom is not a law firm. Loan help here means gathering the note, the disclosure statement, the installer contract, and the current servicer identity so an individual review can see which party controls which issue.

Records for a solar-loan file

• Promissory note, TILA disclosure, itemization of amount financed, and any dealer-fee line.
• Installer contract and the proposal that stated the cash price versus financed price.
• Account statements, payment history, and the current servicer or lender name.
• Notices of assignment, sale of the loan, or a change in billing address.
• Completion certificates, PTO, and any installer warranty that the lender said you still have.
• Credit-report entries if the tradeline name does not match the brand you remember.

Read this hub with exit options, contract help, and the GoodLeap or Sunlight blog guides already on the site. Request an individual review if the disclosure packet and the sales pitch do not line up and you want the file organized. Options depend on the documents, the facts, and applicable law. Do not withhold payment solely because of a general article.

Read the itemization before arguing about the APR

Many disputes that sound like interest-rate complaints are actually questions about what was financed. If a dealer fee, add-on product, or prepaid amount sits inside the principal, the APR line and the cash-price conversation can both look wrong without either one being a complete story. Pull the itemization, the installer invoice, and the sales proposal into one packet. GoodLeap and Sunlight files on this site often turn on that packet, which is why they are mentioned only as examples already documented here. Request an individual review if those three documents do not tell the same price story. No review can change a number the servicer has not put in writing.