Turn Sunshine into Savings with a Solar & Energy Efficiency Loan

With 266 days of sunshine a year, San Diego is built for solar power. A Frontwave Solar & Energy Efficiency Loan makes it easy to go solar, upgrade your home and save on energy bills—all with low rates, flexible terms and no hidden fees.

Why Choose a Frontwave Solar & Energy Efficiency Loan?

• Borrow up to $75,000: Get the funds you need for solar and energy upgrades.
• Terms up to 20 years: Affordable payments with up to 240 months to repay.
• Low rates, no surprises: Transparent financing that works for you.
• Boost your home’s value: Invest in clean energy and long-term savings.

Why Owning Solar Beats Leasing

A solar lease might seem convenient, but it comes with long-term costs and restrictions that don’t benefit you. Here’s why owning your solar panels is the smarter choice:

• Bigger Savings: With a loan, you own your system and keep 100% of the energy savings. Leasing means paying the solar company for the power your panels generate.
• No Monthly Lease Payments: Leasing locks you into fixed payments that increase over time. Owning lets you pay once and enjoy free energy for decades.
• Increase Home Value: Owned solar panels increase property value while leased systems can make selling your home more complicated.
• Qualify for Incentives: Own your system and take advantage of tax credits, rebates and solar incentives. Leased systems don’t qualify for homeowner tax benefits.
• No Long-Term Contracts: Lease agreements often last 20+ years and come with buyout clauses or restrictions. Owning means total control over your energy.

Energy-Efficient Upgrade Possibilities

(must be in addition to solar panels)

• Air Sealing
• Attic Insulation
• Duct Sealing
• Hot Water Heater and Piping Insulation
• Thermostat Shower Valve
• Combustion Safety Testing
• High-efficiency Furnace
• Energy-efficient Cooling

• Energy-efficient Windows
• Duct Replacement
• Wall Insulation
• Energy-efficient Lighting Fixtures
• Solar Hot Water Heating
• Solar Photovoltaic System
• Solar Panel Systems
• Solar Outdoor Lighting

Homeowners: Find a Trusted Contractor

Need a licensed pro for your solar or energy upgrades? Visit the California Dept of Consumer Affairs website to find certified contractors in your area.

Energy Loan Providers: Partner with Frontwave

Want to offer financing for solar and energy-efficient home improvements? Let’s team up.

• Contact us to learn more about partnering with Frontwave Credit Union.
• Already a partner? Click here to log in to the portal.