Going solar in Fort Lauderdale is more accessible than ever. Thanks to a mix of local installers, national loan providers, and mission-driven lenders, homeowners now have a wide range of financing options—from $0-down loans to flexible leases and power purchase agreements (PPAs). Whether your goal is to reduce your electric bill, achieve energy independence, or make an environmentally conscious investment, the right financing partner can make solar energy a reality without breaking the bank.
Below, we break down the top solar panel financing companies and installers serving Fort Lauderdale, including their financing models, standout features, and how they’re making solar affordable across Broward County.
1. Solar Prime USA
Location: Hollywood, FL (serves Fort Lauderdale)
Financing Options: $0-down solar loans, custom financing plans
Solar Prime USA is one of the most trusted names in South Florida’s solar space, and they’ve earned their reputation by putting affordability and customer care front and center. Based in Hollywood and serving all of Fort Lauderdale, this company offers $0-down solar loans through partnerships with local lenders. Their goal is to make financing as stress-free as possible by tailoring plans to your income, home size, and energy usage.
Interest rates typically range between 5–7% depending on the market and your credit profile. The company works closely with each client to help them qualify for low monthly payments that are often less than their current electric bill.
Why They Stand Out:
Solar Prime USA doesn’t just install panels—they guide homeowners through the entire financing process. Their in-house installation team ensures the same people who design your system are the ones putting it on your roof. Combined with local lender partnerships and zero upfront cost, they’ve helped hundreds of Fort Lauderdale residents make the switch to solar without financial friction.
2. Go Solar Power
Location: West Palm Beach, FL (serves Fort Lauderdale)
Financing Options: $0-down loans, leases, and PPAs
Go Solar Power brings over 25 years of experience to the table and a family-owned feel that many Fort Lauderdale homeowners appreciate. Their financing approach is flexible—they offer solar loans, solar leases, and power purchase agreements (PPAs) through a network of third-party financiers.
For many customers, Go Solar Power aligns loan payments with current electric bills to ensure immediate monthly savings. If you’re concerned about cash flow or uncertain about owning your panels outright, their PPA and lease options offer low-risk alternatives.
Why They Stand Out:
In addition to flexible financing, Go Solar Power is known for their integration of Tesla Powerwalls—giving homeowners battery backup solutions that increase energy independence. For Fort Lauderdale residents looking to go solar without upfront expenses and future-proof their energy needs, this company checks all the boxes.
3. SunVena Solar
Location: Fort Lauderdale, FL
Financing Options: $0-down loans and in-house plans with up to 20-year terms
SunVena Solar is one of the highest-rated solar companies in Fort Lauderdale—and it’s not just because of their top-tier installation work. Their financing solutions are equally impressive. Homeowners can choose between $0-down loans offered through third-party lenders or in-house payment plans with long-term flexibility.
SunVena focuses on securing low-interest rates to maximize savings over time. They make financing feel approachable and transparent, with clear timelines and no surprise fees.
Why They Stand Out:
SunVena Solar offers a 25-year power production guarantee, meaning your system is covered if it doesn’t perform as promised. This pairs perfectly with their customer-first financing model, making them one of the best all-around options for Fort Lauderdale residents who want top-tier service and long-term financial peace of mind.
4. Freedom Forever Florida
Location: Serves Fort Lauderdale
Financing Options: $0-down loans through national lenders (10–25 year terms)
Freedom Forever is a growing solar brand in Florida, known for their clean installations, advanced system design, and transparent financing. They offer solar loans with no upfront costs, typically with terms ranging from 10 to 25 years and competitive interest rates.
Financing is handled through their network of national lending partners, allowing you to choose a plan that aligns with your credit profile and savings goals. Whether you’re looking for short-term flexibility or long-term stability, Freedom Forever has an option to match.
Why They Stand Out:
Their NABCEP-certified installation team and battery integration with LG Chem and Tesla Powerwall make them a full-service solar provider. With personalized system design and financing support, Freedom Forever makes going solar both smart and seamless.
5. ProSolar Systems Florida
Location: South Florida-based (serves Fort Lauderdale)
Financing Options: Leases, PPAs, and $0-down loans via third-party financiers
ProSolar Systems offers one of the most comprehensive financing menus for Fort Lauderdale homeowners. Whether you’re interested in owning your panels outright or minimizing upfront risk with a lease or PPA, they’ve got a plan for you.
They specialize in eliminating energy bills, which means they tailor financing to ensure monthly payments align with or undercut your utility costs. This includes options for homeowners with various credit scores.
Why They Stand Out:
ProSolar is both Tesla Powerwall and Generac certified, making them an ideal choice if you’re also considering backup power. Their attention to service and ability to support both residential and commercial projects make them one of the most versatile providers in South Florida.
6. Advance Solar & Energy
Location: Fort Lauderdale (showroom in Fort Myers)
Financing Options: $0-down loans, flexible payment terms, and partnerships with lenders
Since 1983, Advance Solar & Energy has been serving Florida homeowners with energy solutions ranging from solar electricity to pool heating. Their financing programs have evolved with the market, and today they offer both national and local lender options with $0-down availability.
Advance customizes each financing plan to offset your electric bill and structure payments in a way that makes solar affordable for your household.
Why They Stand Out:
Their long-standing reputation, OSHA-certified staff, and wide-ranging services make them a go-to for homeowners who want solar expertise with trusted local roots. The financing support ensures affordability is never a barrier to going green.
7. Urban Solar
Location: Serves the Fort Lauderdale metro area
Financing Options: Cash-flow-positive leases, PPAs, and $0-down loans
Urban Solar is a top choice for Fort Lauderdale homeowners looking for creative, budget-friendly ways to go solar. They specialize in financing options that are designed to be cash-flow positive from day one—meaning your monthly solar payments are designed to be less than your current electric bill. Whether you opt for a solar lease, a PPA, or a zero-down loan, their goal is simple: save you money right away.
They also work with leading national partners, including Tesla, to ensure equipment quality, and provide financing options that are aligned with long-term savings.
Why They Stand Out:
Urban Solar brings something extra to the table: HOA expertise and post-installation online system monitoring. This is especially useful for homeowners in Fort Lauderdale communities that require HOA approvals before any rooftop changes. The financing flexibility combined with smart monitoring tools makes Urban Solar a forward-thinking partner in your solar journey.
8. Mosaic
Location: National (available in Fort Lauderdale through local partners)
Financing Options: $0-down solar loans with low rates and long terms
Mosaic is a solar loan provider, not an installer, but their presence is felt across Florida thanks to partnerships with local companies like SunVena Solar and Solar Prime USA. They focus exclusively on clean energy financing, which allows them to offer homeowner-friendly loans with terms of 10–25 years and interest rates as low as 4.99%, depending on your credit.
One of Mosaic’s key selling points is their quick application and approval process. Most homeowners are approved within minutes, and the funds are disbursed directly to the installer, removing any stress from your end.
Why They Stand Out:
Mosaic’s simplicity, transparency, and strong partner network make them a preferred financing option in Fort Lauderdale. Their loans often come with no prepayment penalties, giving homeowners the flexibility to pay off early and save on interest.
9. LightStream (by Truist Bank)
Location: National lender accessible to Fort Lauderdale homeowners
Financing Options: Unsecured personal loans for solar (no fees, fast funding)
LightStream is a division of Truist Bank and offers unsecured solar loans for homeowners looking to pair financing with any local installer. What makes them unique is that the funds can be used for any solar project, from rooftop systems to battery storage and even solar water heaters.
With rates starting at 5.99% with autopay, terms up to 20 years, and no fees or prepayment penalties, LightStream has become a go-to for homeowners who prefer to manage their own financing outside of the solar installer’s network.
Why They Stand Out:
LightStream is known for same-day funding, making it one of the fastest solar financing options available. For Fort Lauderdale homeowners who already have an installer lined up and just need a trusted lender, LightStream is a strong contender.
10. SELF (Solar and Energy Loan Fund)
Location: Fort Pierce, FL (serves Fort Lauderdale and Broward County)
Financing Options: Low-interest loans (4–6%) for solar and energy upgrades
SELF is a non-profit lender focused on making solar and energy efficiency upgrades accessible to underserved homeowners across Florida. Based in Fort Pierce and serving Broward County, SELF offers low-interest loans with flexible credit requirements, making solar possible even for those who don’t qualify through traditional banks.
SELF’s mission is rooted in community uplift. Their loans are available to low- and moderate-income homeowners, and they work with a vetted network of Fort Lauderdale-based contractors. Loan terms go up to 15 years, and they cover not just solar panels but also energy-efficient HVAC systems, insulation, and more.
Why They Stand Out:
SELF is mission-driven, not profit-driven. They’re ideal for Fort Lauderdale homeowners who might have been turned down elsewhere or who want to support ethical financing in the clean energy space. Their community-first approach and willingness to lend based on home value and income—not just credit score—make them a lifeline for many.
How to Choose the Right Solar Financing Option in Fort Lauderdale
With so many financing options available, it’s important to evaluate your needs and long-term goals before making a decision. Here are a few key factors to consider:
1. Upfront Cost vs. Long-Term Savings
Leases and PPAs typically offer $0 upfront and immediate savings but less long-term financial return. Loans (especially from providers like Mosaic or LightStream) may require stronger credit but offer greater ownership and better ROI over time.
2. Loan Terms and Rates
Compare loan terms carefully—some offer 10 years at lower rates, while others go up to 25 years with slightly higher interest. A longer term often means lower monthly payments, but a higher total cost.
3. Credit Requirements
If your credit isn’t perfect, companies like SELF or ProSolar (who work with broader credit ranges) might be your best bet. If your credit is excellent, Mosaic or LightStream may offer the best rates.
4. Installer Experience and Service
Financing is only one part of the equation. A company like Solar Prime USA or SunVena, which offers both quality installs and reliable financing support, may be more efficient than trying to coordinate with multiple providers.
5. System Ownership
If you want to maximize long-term savings and claim tax credits, loans and cash purchases are better options. If you want minimal risk and don’t care about ownership, a lease or PPA might be a better fit.
Final Thoughts
Solar panel financing in Fort Lauderdale has come a long way. Whether you’re looking for a simple $0-down lease, a low-interest loan, or a non-profit lender that believes in energy equity, there’s a solution for every homeowner.
From trusted local installers like Solar Prime USA, SunVena, and Advance Solar to national financing powerhouses like Mosaic and LightStream, Fort Lauderdale residents have more access than ever to clean, affordable energy.
Before signing any agreement, take the time to compare offers, ask questions, and understand the terms. A well-financed solar project doesn’t just cut your power bill—it adds value to your home, provides peace of mind, and helps you take control of your energy future.