No Credit Check. No Loan. No Lease.
This is a power purchase agreement, and the distinction matters more than almost anything else on this site. Nearly every solar company sells financed ownership — a loan or a lease that requires credit approval. Solnr doesn't.
What does it cost to get started?
Nothing. No down payment, no deposit, no equipment cost, no installation charge. There is nothing to pay at signing and nothing to pay at installation.
This is usually where people wait for the catch, so here is the whole arrangement in plain terms. You are not buying a solar system and you are not financing one. There is no loan, which is also why there is no credit check. What you are doing is paying for the power the system produces, at a rate locked in below what you pay now. If the system is not producing, you are not paying for power it did not make.
The savings start with the first bill rather than after a payback period, because there was no upfront cost to pay back.
What a power purchase agreement actually means
Solnr owns the solar system on your home and covers the full cost of installation. In exchange, you pay for the power the system produces, at a rate locked into your agreement and set below what you currently pay your utility. You're not buying equipment. You're buying power, at a better price than you're paying now.
What you pay
Nothing up front. No down payment, no equipment cost, no installation charge.
A locked-in rate for the power your system produces, set below your current utility rate. Typical savings run around thirty percent off your monthly bill from day one.
If your system isn't producing power, you don't pay. That's different from a loan, where you keep paying whether the system performs or not.
No credit check, ever
Conventional solar financing requires credit approval, and that single step eliminates a large share of manufactured home residents before a real conversation even starts. Solnr doesn't run a credit check at any point.
Why this matters more when you sell
Financed solar is one of the things that most often slows down or kills a home sale, since the buyer normally has to pass a credit check to take over the loan. With a Solnr agreement, it transfers to your buyer without a credit check.
What if more than one person owns the home?
Shared ownership is common in manufactured home communities, and it is not a complication. Plenty of homes are owned jointly, by spouses, by a parent and an adult child, by siblings, or by family members who bought together. Everyone with an ownership interest in the home is part of the agreement, which is normal and expected rather than an obstacle.
A few situations that come up often: a parent and adult child own the home together and the parent lives there — both are part of the conversation and both sign. A co-owner lives somewhere else — that is workable; they need to be included, not present in person. A co-owner is on a fixed income or has no credit history — neither matters, since there is no credit check for anyone on the agreement.
Because there is no loan involved, none of the usual co-signer complications apply. Nobody is being underwritten and nobody's credit is being pulled. If you are weighing this with family, that is worth doing — we are happy to walk through it with everyone who needs to be part of the decision, together or separately.
Frequently asked questions
Is this a loan?
No. It is a power purchase agreement. Solnr owns the system, and you pay only for the power it produces.
Is this a lease?
No. A lease typically charges a fixed payment regardless of how much power the system produces. Here, you pay for actual power produced, and if the system isn't producing, you don't pay.
Do I need good credit?
No. There is no credit check anywhere in this process.
What do I pay up front?
Nothing. No down payment, no equipment cost, no installation charge.
How much do I actually save?
Typical savings run around thirty percent off the monthly bill from day one, though your exact number depends on your usage and your roof. We show you the real figures before you sign anything.
What if the system isn't producing power?
You don't pay. That's built into the agreement.
What happens if I sell my home?
The agreement transfers to the new owner without a credit check, and Solnr manages the paperwork and any park coordination the sale requires.
What happens at the end of the agreement?
You choose to buy the system for a small amount, renew, or have it removed with your roof restored at no cost.
See your exact numbers
The only way to know what you'd actually save is to look at your specific home and usage. No pressure, no credit check required to find out.