Climate First Bank Residential Loan Products
Climate First Bank has expanded its solar loan product lineup to provide even more flexible financing options for homeowners and solar customers. Whether you’re looking to finance a complete solar system or a battery-only project, there are options designed to meet your needs.
Solar Plus Loans
Available for customers financing solar panel systems (with or without battery storage):
Term | Interest Rate (Auto-Pay) | Interest Rate No Autopay | Prepay Penalty | Dealer Fees |
10.5-Year | 7.47% | 7.72% | None | None |
20.5-Year | 7.72% | 7.97% | None | None |
30.5-Year ☀️ | 7.25% ☀️ | 8.25% | None | None |
☀️ Limited-Time Summer Rate Reduction - Beginning April 23rd, 2026
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Just in time for summer, Climate First Bank is lowering the interest rate on its 30.5-year residential solar loan for a limited time.
Apply by: July 25, 2026
Requirement: Enrollment in automatic payments
Beginning April 23, qualifying customers can receive a reduced interest rate:
7.25% with autopay
(down from 8.00%)
This means lower monthly payments and greater long-term savings, making it even easier to close the sale.
The 1.00% interest rate discount applies only to new loan applications submitted on or after 4/23/2026 and no later than 11:59 p.m. EDT on 7/25/2026. 0.25% interest rate discount is available for other loan terms. The discounted rate applies only when enrolled in automatic payments.
Battery-Only Loans
Available for customers financing battery storage systems only:
Term | Interest Rate (Auto-Pay) | Interest Rate No Autopay | Prepay Penalty | Dealer Fees |
10.5-Year Battery-Only | 7.47% | 7.72% | None | None |
Batteries, Solar Panels, and Inverters must comply with our Approved Vendor List (AVL) and align with the products listed here: https://www.oneethos.com/avl
Why Choose Climate First Bank Solar Loans?
No dealer fees
No prepayment penalties
Competitive fixed interest rates
Flexible term options to fit your budget