Going solar is one of the smartest decisions a California homeowner can make. How you pay for that system is where things get tricky.

At Rebel Energy Systems, we empower you with clear, honest guidance. Today, we’re breaking down the two most common solar payment paths: leasing and financing.

A Quick Look Back: Financing Was King

For most of the last decade, solar financing was the clear winner. Homeowners could take advantage of generous tax incentives, boost their home value, and ultimately own their system outright, maximizing long-term savings.

Over the last few years, solar leases have emerged as the preferred option for many homeowners. Why?

• Battery warranties under leases are now often 20 years, compared to 10–15 years with financed systems

• Maintenance, monitoring, and system support are bundled in

• Low upfront costs make leases accessible to more homeowners

• For those who aren’t planning to stay in their home long-term, leases can feel flexible and hassle-free

Leases aren’t what they used to be — and that’s both good and worth a closer look.

Leasing: The “Rent-to-Use” Solar Option

With a lease, you don’t own the solar system — the solar company does. You pay a fixed monthly fee to use the energy it produces.

Pros:

• Low or no upfront costs

• Full system maintenance, monitoring, and repairs included

• 20-year warranty on panels and battery

• Predictable monthly payments

Cons:

• You don’t own the system and are not eligible for the federal 30% tax credit

• Fewer long-term savings

Financing: The “Own Your Power” Approach

Financing means you buy the system — either with a loan or upfront cash. You benefit from ownership, tax credits, and long-term savings, but also take on responsibility.

Pros:

• You own the system

• Eligible for federal tax credit and other incentives

• Adds value to your home

• Maximizes long-term savings

• Flexibility to sell, expand, or upgrade the system

Cons:

• Higher upfront or monthly loan costs

• You’re responsible for maintenance and monitoring

• Battery warranties typically last 10–15 years

• Requires decent credit

California Spotlight: NEM 3.0 Changed the Game

With the rollout of NEM 3.0, solar energy credits for homeowners have dropped significantly. You now get paid less for the power your system sends back to the grid.

This makes how you pay for your system more important than ever.

For many homeowners, owning their solar (and battery) offers more control, higher value, and better long-term returns under the new rules. If your priority is low risk and low hassle, a lease with the right terms might be a better fit.

So… What’s Right for You?

There’s no universal answer — and that’s why Rebel Energy takes a personalized approach. We look at:

• Your credit score and immediate savings goals

• Your long-term home plans

• Your roof’s age and condition

• Your current and future energy use

• What matters most to you: ownership, savings, simplicity, or flexibility

The Rebel Difference

We don’t push leases or loans. We simply sit down with you, look at your numbers, and map out the smartest solar path for your goals.

Going solar shouldn’t feel like signing a car lease with hidden fees. It should feel like taking control of your energy.

Let’s Find the Right Solar Strategy for You

👉 Schedule your free solar consultation