It Only Takes a Spark to Start a Revolution!

Funding Your Energy Transformation

At Spark, we believe in transparent, honest financing that puts homeowners first. Our "Reduce Before You Produce" approach isn't just about smart energy—it's about smart financing too. We provide clear, straightforward options that maximize your savings without hidden costs.

Funding Options for Complete Energy Solutions

Combined Solar + Efficiency Financing

When you choose our comprehensive approach of efficiency upgrades alongside solar installation, you benefit from:

Traditional Unsecured Loans

  • Zero dealer fees – unlike most solar companies

  • Competitive interest rates from 4.99-8.99% (as of April 2025)

  • Terms from 5-20 years

  • Finance up to $100,000

  • No prepayment penalties

  • Simple online application process

  • Approval decisions typically within 24 hours

  • No home equity required

Home Refinancing Options

  • Incorporate solar and efficiency improvements into a new mortgage

  • Often achieves the lowest possible interest rates

  • Potential tax advantages (consult your tax advisor)

  • Extend payment period to maximize monthly cash flow

  • Ideal for homeowners also looking to lock in better mortgage rates

Home Equity Line of Credit

  • Use existing home equity to fund improvements

  • Flexible withdrawal options as project phases complete

  • Often features tax-deductible interest (consult your tax advisor)

  • Competitive rates based on current equity and credit profile

  • Option to make interest-only payments during initial draw period

Split Financing Programs

For homeowners who prefer to finance efficiency and solar separately, we offer:

Efficiency-Specific Financing

  • Dedicated loans specifically for home efficiency upgrades

  • Small-dollar options starting at $2,500

  • Short terms available (2-7 years)

  • Immediate monthly savings that often exceed loan payments

  • Special "Green Energy" rates from select lending partners

Solar-Specific Financing

  • Traditional solar loans without dealer fees (unlike competitors)

  • Federal tax credit integration options

  • Fixed monthly payments for predictable budgeting

  • System performance guarantees tied to financing

  • Zero-down options available for qualified homeowners

The Spark Financing Advantage

Transparent Pricing Always

We provide clear, itemized quotes that separate equipment, labor, and project costs. You'll never find hidden dealer fees or financing charges buried in your system price.

Customized Recommendations

Our financial consultants analyze your specific situation to recommend the option that maximizes both short-term cash flow and long-term savings.

Our financial consultants analyze your specific situation to recommend the option that maximizes both short-term cash flow and long-term savings.

Streamlined Process

Our integrated approach means one application process can cover both efficiency upgrades and solar installation, simplifying your experience.

Monthly Savings Focused

We structure financing to ensure your combined new loan payment and reduced utility bill will typically be less than your original energy costs.

Understanding Your True Savings

With Spark's transparent approach, you can clearly see how financing affects your investment:

Traditional Solar Company Approach:

  • Advertised system: $30,000

  • Hidden dealer fee: $9,000 (30%)

  • Actual financed amount: $39,000

  • Monthly payment: $262 (6.99%, 20 years)

  • True system cost over loan term: $62,880

The Spark Approach:

  • Efficiency upgrades: $8,000

  • Right-sized solar system: $22,000

  • Total investment: $30,000

  • Monthly payment: $201 (6.99%, 20 years)

  • True cost over loan term: $48,240

Your advantage with Spark: $14,640 in savings over the financing term, plus the ongoing benefits of an optimized, efficient home.

Getting Started

Our financing process begins with understanding your goals:

  • Consultation– Discuss your energy usage and financial objectives

  • Options– Review customized financing recommendations

  • Application– Complete a simple, secure application process

  • Approve– Receive prompt decision, typically within 24 hours

  • Implementation– Begin your efficiency upgrades, followed by solar installation


    Contact Spark today to schedule your no-obligation financing consultation and discover how our transparent approach can transform your home's energy profile while respecting your financial goals.

Spark Systems Are Designed with You in Mind

Efficiency Systems

  • Home Energy Audits - comprehensive assessment using advanced diagnostic tools

  • Air Sealing - Eliminate drafts and energy leaks throughout your home

  • Insulation - Strategic installation in attics, walls, and crawlspaces

  • HVAC Optimization - Tune-ups, duct sealing, and smart controls

  • Energy Monitoring - Complete home energy monitoring and reporting

  • Smart Home Integration - Energy management systems that learn your habits

  • Appliance Assessments - Recommendations for high-impact replacements

Solar / Roofing Systems

  • Custom System Design - Perfectly sized for your efficient home

  • Premium Equipment - High-efficiency panels with industry-leading warranties

  • Battery Storage - Backup power solutions for energy independence

  • Solar Monitoring - Real-time production tracking at your fingertips

  • EV Charging - Integrated solutions for electric vehicle owners

  • Roof Evaluation - Comprehensive assessment before installation

HVAC Systems

  • Efficiency Assessments - Detailed evaluation of your current heating and cooling performance

  • System Upgrades - High-efficiency replacements that reduce energy consumption

  • New System Installation - Advanced technology for efficient heating and cooling

  • Ductwork Optimization - Sealing and insulating for maximum airflow efficiency

  • Smart Controls - Programmable thermostats and zoning systems for precise comfort

  • System Tune Up & Service Programs - Regular tune-ups to ensure peak performance year-round

Ready to Get Started?

Financial Options

  • Solar Loans- Low-interest financing with payments often less than your current utility bill

  • Efficiency Financing- Spread the cost of improvements over time

  • Incentive Navigation- Expert assistance capturing all available rebates and tax credits

  • Power Purchase Agreements- Zero-down options for qualified homeowners

  • Performance Guarantees- We stand behind our savings projections 100%

Solar Industry's Hidden Costs: What Others Won't Tell You

Many solar companies advertise attractive interest rates while hiding substantial "dealer fees" that can add 20-40% to your project cost. These fees are quietly rolled into your loan principal, increasing the amount you're financing without your knowledge.

Dealer Fees: The Industry's Worst-Kept Secret

What Are Dealer Fees?

Dealer fees (sometimes called "finance charges" or "origination fees") are additional costs added to your solar system price when you finance through many solar companies. These fees are rarely disclosed as separate line items and instead are quietly rolled into your total system cost.

The Shocking Numbers:

  • Industry Average: Dealer fees typically range from 15% to 40% of the system's base cost

  • Real Example: A $25,000 solar system often includes $5,000-$10,000 in dealer fees

  • Actual Pricing: This means the real cost of your $25,000 system might only be $15,000-$20,000

  • Artificial Inflation: Some companies deliberately inflate system costs to hide these fees

How Companies Hide These Fees:

  • Cash vs. Finance Price Disparity: Many companies offer significantly lower prices for cash purchases—the difference is often the hidden dealer fee

  • "Free" Additions: Offers of "free" battery storage, extended warranties, or monitoring are typically subsidized by inflated financing

  • "Zero Down, Zero Interest" Offers: These promotions almost always include substantial dealer fees built into the principal amount

  • Bundled Pricing: By presenting only a monthly payment and total cost, companies obscure the breakdown between equipment, installation, and dealer fees

How dealer fees work against you:

  • A $30,000 solar system might include $9,000 in hidden dealer fees

  • You're actually financing $39,000, not $30,000

  • These fees aren't disclosed or explained as separate from your system cost

  • The true cost of the system remains obscured throughout the sales process


    The Spark promise: We will NEVER charge dealer fees on any financing option.

    The price we quote is the price you finance—period.

Understanding Solar Leases and PPAs: What You Need to Know

At Spark, we believe in empowering homeowners with complete information to make the best energy decisions for their future. While solar leases and Power Purchase Agreements (PPAs) are commonly offered financing options in the industry, we've chosen not to offer these arrangements due to significant drawbacks that often go undisclosed during the sales process.

Solar Leases and PPAs: The Hidden Drawbacks

Property Sale Complications

One of the most significant challenges with leases and PPAs arises when you decide to sell your home:

  • Transfer Requirements: Potential buyers must qualify for and agree to take over your solar agreement, which can limit your buyer pool

  • Sale Delays: The solar company must approve the transfer, often adding 30-60 days to closing timelines

  • Deal Breakers: Many real estate agents report solar leases becoming obstacles in home sales, sometimes killing deals entirely

  • Buyout Costs: Lease buyouts can cost $20,000+ if the buyer doesn't want to assume the agreement

Limited Financial Benefits

Despite what's often promised, leases and PPAs typically provide reduced financial benefits:

  • Escalator Clauses: Most agreements include annual payment increases of 2-3%, often outpacing utility rate increases

  • No Tax Benefits: The solar company—not you—receives the 30% federal tax credit and depreciation benefits

  • Reduced Savings: Typical lifetime savings are 40-60% less than with direct ownership options

  • Higher Lifetime Cost: You'll ultimately pay significantly more through a 20-25 year lease than by purchasing the system

  • Lien on Property: Many leases place a fixture filing or UCC filing on your property

Limited System Control

Leasing means surrendering control of the system on your roof:

  • Modification Restrictions: You cannot expand, alter, or upgrade the system as technology improves

  • Maintenance Questions: Responsibility for cleaning, monitoring, and maintenance can be unclear

  • Roof Repair Complications: Solar removal and reinstallation during roof work can trigger costly fees

End-of-Term Uncertainties

What happens after 20-25 years is often glossed over:

  • Removal Costs: If you choose not to renew, removal fees can range from $2,000-$4,000

  • System Performance: Panels will have degraded to 80-85% of original output while your payments continued to increase

  • Renewal Terms: Renewal options may come with unfavorable terms as the system ages

  • Technology Obsolescence: You'll have paid premium prices for decades-old technology

Spark Energy Inc.

710 East Main

Lexington, KY 40502

877-247-3007 | sparkenergyinc.com

Copyrights 2025 | Spark Energy Inc.™ | Terms & Conditions