Close X icon
Bright Oak logo in whiteLumifi logo in white

Formerly Known As BrightOak

Now lumifi

Close X icon

A division of oakstar bank

Equal Housing Lender logoMember FDIC logo

Financing
Options

COMPARE THE SOLAR FINANCING PRODUCTS WE HAVE TO OFFER.

Financing Options

What’s the best option for you?

Solar Financing
Program

Go solar with confidence! Borrow up to $100,000 when pre-qualified, and don't sweat the credit check—it's a soft pull with zero impact. We consider household income and even accommodate FICO scores as low as 680 and Debt to Income ratios of 38% for pre-qualification. Whether it's your primary or secondary home, we've got you covered. Just note that financing for mobile homes, commercial spaces, and rentals isn't available at this time.
Piggy bank icon
Handshake icon

Loan Products

Choose between two different term options, both offering an interest-only period for incentives or principal pay downs. A single amortization will take place in the 18th month without any obligatory minimum incentive paydown.  And if you're eyeing those federal solar tax credits or local incentives, our loan product is a perfect match!  

Lease Products

Leasing solar panels is made simple with two different term options, both offering fixed monthly payments. Expect a performance guarantee of 85% of annual production, adjusted for degradation and shading. Transfers, buyouts, renewals? We've got options. This is a great option for those who can't utilize the tax credit. 
Lease papers icon

Loan

You own the equipment
check
Tax incentives
check
Prepayment allowed
check
Fixed payment**
close
Third-party maintenance arranged
close
Insurance required
check

Lease

close
You own the equipment
close
Tax incentives
close
Prepayment allowed*
check
Fixed payment
check
Third-party maintenance arranged
check
Insurance required
* A one time early buyout is offered. Refer to your lease agreement.
** Payment is interest-only for 18 months then fixed payment after amortization for remaining term.
Tablet depicting Lumifi digital brochure

Want To Learn More?

Download Our Digital Brochure

Learn more about Lumifi and how our solutions are designed to benefit people and the planet.
Downloadtrending_flat

Work With Us

Which one better describes you?