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How 0% solar finance works

How spreading the cost works, what 0% APR means and what to ask.

SHSolar Haven Energy team · Updated September 2026 · 5 min read

Not everyone wants to pay for solar in one go. Finance lets you spread the cost over monthly payments, and with a 0% APR option, you pay back only what you borrow.

Quick answer: we offer 0% interest-free finance over 5 to 25 years. Every term is 0% APR, so you never pay any interest. Finance is subject to status and affordability.

How it works

  • You get your free quote and choose your system
  • You apply for finance, which includes a credit check
  • If you're approved, the lender pays for the installation
  • You repay the lender in monthly payments over the agreed term

What 0% APR means

With a 0% APR agreement, you don't pay any interest. If your system costs £9,000 and you pay it back over 5 years at 0%, you repay £9,000 in total. Choosing a longer term, up to 25 years, simply lowers your monthly payment. It's still 0%, so the total you repay stays the same.

Your options

  • 0% interest-free finance: you repay exactly what the system costs, in fixed monthly payments
  • Terms from 5 to 25 years, every one at 0% APR
  • Your quote will set out the options available for your system

Finance is subject to status and affordability. The lender will give you the full terms, including the APR and a representative example, before you sign.

Questions to ask

  • What will the monthly payment be?
  • What's the total amount I'll repay?
  • Is there a deposit?
  • Can I pay it off early, and are there any fees?

Your rights

Under consumer credit rules, you usually have 14 days after signing a credit agreement to withdraw from it. If you're unsure about anything, ask the lender before you sign.

FAQs

Will applying affect my credit score?A full application involves a credit check, which is recorded on your credit file. Ask the lender whether they offer a soft check first.
Can I get finance for a battery only?Often, yes. Ask about this when you get your quote.

Got a question about solar?

Call us or get a free, no-obligation quote and we'll talk it through.

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Solar panels and battery storage, installed by MCS certified installers. We cover installations nationwide.
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© 2026 Solar Haven Energy · Installations are carried out by MCS certified installers · Finance is subject to status
Solar Haven Energy is a trading name of MBSA Ventures Ltd, registered in England & Wales, company no. 16371503. Registered office: 124 City Road, London EC1V 2NX.
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