Homeowners in Washington, Oregon & Idaho: Harness the Power of Solar
It’s time to take action.
How It Works
Get started with your solar home improvement project in three easy steps.
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Select a solar installer
Choose a solar installer, confirm they have onboarded with ezSolarLoan, and ask them for their Solar Company Identifier (SCI) 4-digit code.
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Apply for a loan
Complete the step-by-step online application. We’ll start with a “soft credit pull” that won’t affect your credit score if you don’t complete the loan.
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Choose your rate and payments
Once you pre-qualify, you can select a loan with the competitive rate, term and monthly payment that works best for you.
Save money. Save time.
We’ll finance your entire solar loan project, starting with a quick online application process. Low interest rates and a variety of term lengths bring you the right financing solution for your solar project!
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No out-of-pocket costs
Finance your whole project
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No hidden fees
No origination fees, no penalties for early repayment
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Instant approvals
Get approved, get installed
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No home equity required
No appraisal, no delays, no hassles
But that’s not all…
When you finance your solar system with us, you’re not just a customer. You’re a member-owner of a cooperative, local, not-for-profit institution.
Align your values
We know you care about solar, and we bet you care about your community, too. You can feel good about getting financing from an institution that invests in the community it serves.
Reap more rewards
We return our profits to you, our member-owners. Meeting your needs and exceeding your expectations is our #1 priority.
Compare your loan options
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Best for borrowers who want to:
Best for borrowers who want to: -
No Prepayment Penalty
No Prepayment Penalty -
APR
APR -
Term
Term -
Instant Approvals
Instant Approvals -
Min and Max Loan Amounts
Min and Max Loan Amounts
Energy Improvement Loan
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Best for borrowers who want to:
Save energy with Solar, HVAC, and efficiency upgrades -
No Prepayment Penalty
✔ -
APR
As low as 7.25% -
Term
5 or 10 years -
Instant Approvals
Up to $50k -
Min and Max Loan Amounts
$5k to $80k
Fixed-Rate Term Solar Loan
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Best for borrowers who want to:
Lock in a low rate and make fixed monthly payments -
No Prepayment Penalty
✔ -
APR
As low as 8.00% -
Term
15 or 20 years -
Instant Approvals
Up to $50k -
Min and Max Loan Amounts
$10k to $80k
See what you can save
Learn more about each of our loan options and see detailed rates information.
Energy Improvement Loans finance qualifying energy efficiency projects such as HVAC (heating, ventilating and air conditioning) systems, solar energy systems and windows. If combined with qualifying equipment, you can apply up to 50% of the cost to energy efficiency performance upgrades such as insulation, air sealing and duct sealing.
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Term |
APR as low as |
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Term 5 years |
APR as low as 7.25% |
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Term 10 years |
APR as low as 7.50% |
With today’s low interest rates, you can save even more money as your system creates clean energy!
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Term |
APR as low as |
|---|---|
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Term 15 years |
APR as low as 8.00% |
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Term 20 years |
APR as low as 8.50% |
FAQs
You will need the following to complete your application:
- The 4-digit Solar Company Identifier (SCI) code issued by ezSolarLoan to your Solar Company
- Application by everyone with an ownership interest in the home
- Requested loan amount
- Desired term length
- Contact, employment, and income information for all borrowers and authorization for a credit inquiry
- Name of solar installation company
- Verification of income, if the loan amount is over $50,000 (may also be requested in other cases)
After the application is approved, but before it is funded, you will also need to provide the following:
- Color copy or scan of your ID
- E-signature on loan documents
You must become a member of Harborstone Credit Union.
No, unlike other financing options, our loans do not require you to have an appraisal or pay the associated cost!
Yes! Because Harborstone Credit Union is a Washington State chartered credit union, if you live, work and worship outside of Washington, you will need to join an affiliate membership organization in order to be eligible to join the credit union. Therefore, we will automatically help you join Solar United Neighbors (www.solarunitedneighbors.org) absolutely FREE! SUN is a “community of people building a new energy system with rooftop solar at the cornerstone.” There is no obligation for you to make any financial contribution to SUN nor to maintain your membership with SUN beyond your loan issuance, but we do hope that you find this organization beneficial and worthwhile!
Depending on the dollar amount you are requesting and other factors, we may need to request additional items. The quicker you can provide them, the quicker we can keep moving!
You will see a confirmation right away on your screen that we have received your application. Some well-qualified borrowers will receive an instant approval on your screen. Typically, we will respond within a few days to ask for additional information or provide a loan decision.
Yes! There is no pre-payment penalty.
Yes, your state and county charge a fee for us to place a UCC-1 lien on the equipment we are financing. These fees will be added to the amount of your loan so, as provided in your loan agreement, you will pay them over time.
Get Started Today
Disclosures
ezSolarLoan/Community 1st Credit Union (C1CU) and third parties, including installers, are independent entities, and not agents, representatives, or legal partners of each other. No relationship exists to create any association, franchise, agency, partnership, joint venture, employment or other special relationship between these entities. No third party is granted any express or implied right to enter into any agreement of any kind for or on behalf of, incur any obligation or liability of, or other otherwise bind, C1CU or any third party.
Loans are subject to credit approval. Rates are based on borrower’s credit score, loan term, and loan program. All programs subject to change without notice.