Installers: sell more solar

Use our free sales and marketing tools to offer easy financing to customers.

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Two installers on a roof

Grow your business. Please your customers. No dealer fees.

Partner with us to provide superior solar financing for your customers.

  • No dealer fees

    No cutting into your margin or raising prices to cover lender fees

  • Fast, easy process

    Simple application with instant approvals

  • Electronic payments

    Via ACH deposit direct to your account

  • Progress/stage payments

    On your desired payment schedule

And there’s more ...

When you direct your customers to finance through Community 1st Credit Union, you’re supporting a member-owned cooperative and not-for-profit institution.

Ethics like yours

We’re passionate about solar energy just like you, which is why we’ve been a leader in residential solar financing since 2012. When your customers finance through us, you help make more funds available to fund more solar installs and support a non-profit that gives back to the community.

Superior service

Exceeding you and your customers’ expectations is our #1 priority. Find financing solutions that match the needs of your business, not the other way around.

The team at Community 1st really makes financing easy and quick for my customers. I sell more solar because these guys really know their business.

— Kirk H, Owner of South Sound Solar

Compare loan options

  • Best for borrowers who want to:

    Best for borrowers who want to:
  • APR

    APR
  • Term

    Term
  • Instant Approvals

    Instant Approvals
  • Max Residential Loan Amount

    Max Residential Loan Amount

Fixed-Rate Solar Terms Loans

  • Best for borrowers who want to:

    Lock in a low rate and make fixed monthly payments
  • APR

    As low as 5.74%
  • Term

    15 - 20 years
  • Instant Approvals

    Up to $50k
  • Max Residential Loan Amount

    $100k

Summer Solar Loan

  • Best for borrowers who want to:

    Defer payment until after receiving a tax refund
  • APR

    Initial 7-year fixed rate as low as 4.74%
  • Term

    14 years
  • Instant Approvals

    Up to $50k
  • Max Residential Loan Amount

    $100k

Jackpot Solar Loan

  • Best for borrowers who want to:

    Start with the lowest monthly payment available in the industry
  • APR

    Initial 7-year fixed rate as low as 5.24%
  • Term

    14 years
  • Instant Approvals

    Up to $50k
  • Max Residential Loan Amount

    $100k

See our rates

Learn more about each of our loan options and see detailed rates information.

15-year rates start at 5.74% and 20-year rates at 6.24% for best qualified borrowers.

Fixed-Rate Solar Term Loans

Term

APR as low as

Term

15 years

APR as low as

5.74%

Term

20 years

APR as low as

6.24%

No payment on your customer’s solar loan until next summer. In 2019, renewable energy installations may be eligible for a 30% federal tax credit. With the Summer Solar Loan, no loan payment is due until June 15th of the year after installation. This gives time for most tax returns to be filed and refunds to be received. The first loan payment is 15% of the original loan amount.

To illustrate: If your customer invests $30,000 in an eligible renewable energy project, the potential tax credit is $9,000 and your customer’s first loan payment is $4,500.

The term of the Summer Solar Loan is 14 years. It’s like two 7-year loans back to back. The 14-year loan is divided into two 7-year fixed periods, with a fixed interest rate for each period.

When the rate resets at the start of the next 7-year term, it adjusts to the then current 7-year US Constant Maturity Treasury (CMT) rate, plus 3.25%. It resets again for the final 7-year term.

To illustrate how your customer’s rate will reset: if your rate adjustment date was on May 31, 2019, the new rate would be 5.28% (7-year CMT of 2.03 + 3.25 = 5.28%). And to make sure your customer’s payments remain low, each adjustment can increase by no more than 2.5% over the previous rate in effect.

Summer Solar Loan

Term

Start APR Years 1-7 as low as

Highest Possible APR Years 8-14

Term

14 years

Start APR Years 1-7 as low as

4.74%

Highest Possible APR Years 8-14

7.24

Your customer just hit the Jackpot with the longest loan term available in the industry. That means lower monthly payments. The new 21-year “Jackpot Solar Loan” from Community 1st is like three 7-year term loans back to back to back, so your customers get the lowest rates and lowest monthly payments available. A 21-year loan is divided into three 7-year fixed periods, with a fixed interest rate for the first 7 years.

When the rate resets at the start of the next 7-year term, it adjusts to the then current 7-year US Treasury (UST) rate, plus 3.25%. It resets again for the final 7-year term.

To illustrate how your customers rate will reset: if their rate adjustment date was on May 31, 2019, the new rate would be 5.28% (7-year UST of 2.03 + 3.25 = 5.28%). And to make sure your customer’s payments remain low, each adjustment can increase by no more than 2.5% over the previous rate in effect.

Solar Jackpot Loan

Term

Start APR Years 1-7

Highest Possible APR Years 8-14

Highest Possible APR Years 15-21

Term

21 years

Start APR Years 1-7

5.24%

Highest Possible APR Years 8-14

7.74

Highest Possible APR Years 15-21

10.24

FAQs

We will notify you when the customer’s application is approved and request a copy of the signed solar contract at that time, which is due before we fund the loan. The signed solar contract should include:

  • The payout schedule
  • A description of the solar system, including brand name
  • System size in kWh
  • Quantity and manufacturer of panels
  • Quantity of inverters, including manufacturer of inverters

While we will give you all the info you need to know for your peace of mind, we never expect your sales team to be the loan officers — that’s our job. In addition to the information here and for Homeowners, you can contact us while you’re with your prospect if they have any questions about financing. We are also happy to supply you with additional marketing materials and current rates.

You tell your prospects “rates as low as” and “terms as long as” and we will do the rest! From taking the application all the way through the loan underwriting process to finalizing the loan documents, we have you covered.

Customers can apply for a loan from any web browser or by phone:

  • Web browser: Visit the Homeowners page.
  • By phone: Call 800-493-1310 to speak with a member of the loan team.

If qualified, we will instantly approve the loan or immediately let them know if we need any additional information. If not instantly approved, it typically takes a few hours to receive a loan decision.

We have promotional PDFs that describe the loan products and are easy to print or attach to emails.  To access these and other sales and marketing tools “Enter here“.

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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.

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