Solar Loans vs. Leases in Florida: Which Option Saves You More?
Florida’s solar market is evolving quickly, and in 2025, the decision between leasing your solar system or financing it through ownership has never been more important.
With the federal solar tax credit (ITC) now largely benefitting third-party owned systems, leasing has become the most affordable and accessible path for most homeowners, while ownership remains ideal for those who prefer to invest in their property long-term.
This guide explains how each option works, what you’ll pay, and how to choose the best fit for your home and financial goals.
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Understanding Solar Leases: Affordable, Turnkey, and Hassle-Free
How Solar Leasing Works in 2025
A solar lease allows you to enjoy the benefits of solar power with little or no upfront cost. The system is owned by Lunex Power or one of our financing partners, and you simply pay a fixed monthly rate for the energy it produces—usually less than your current utility bill.
Because the lessor claims the available federal credit, lease pricing can reflect those savings directly in the monthly payment. The result is a lower-cost, maintenance-free solar solution that delivers instant energy savings without tax paperwork or long-term debt.
Why Leasing Makes Sense for Most Homeowners
- Zero-down or low-down payment options make solar accessible immediately.
- Lower monthly costs compared to financing or utility bills.
- Maintenance and performance are fully handled by Lunex Power.
- Turnkey process — from installation to monitoring, everything is managed for you.
- Transferable lease agreements make moving or selling your home simple.
Leasing is the most affordable solar option for 2025, allowing Florida homeowners to lock in predictable energy costs without worrying about financing timelines, interest rates, or federal credit eligibility.
Start saving with zero upfront cost.
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Understanding Solar Loans: Long-Term Ownership and Property Value
How Solar Loans Work
A solar loan allows you to own your system outright while paying it off over time. Monthly payments are typically fixed and spread across 10–20 years. While ownership no longer includes the federal ITC benefit, it still provides long-term property value appreciation and full energy independence once the loan is paid off.
Benefits and Tradeoffs
Advantages of Ownership
- Increased home value — owned systems can add 3–5% to resale price.
- Full control — you own the equipment and decide how it’s maintained or upgraded.
- Long-term savings — after payoff, your energy costs drop dramatically.
- Eligible for Florida’s property and sales tax exemptions, which remain in place for 2025.
Limitations
- Higher upfront costs or credit-based financing requirements.
- You handle maintenance unless covered by a separate service plan.
- Longer payback horizon, typically 7–10 years depending on energy usage.
Ownership remains a great option for homeowners planning to stay long-term who want to invest in their property and capture all future savings directly.
Solar Leasing vs. Financing: Head-to-Head Comparison
| Feature | Solar Lease | Solar Loan |
|---|---|---|
| Ownership | System owned by Lunex or financing partner | You own the system |
| Upfront Cost | $0–$500 typical | Down payment or financed |
| Federal Incentive Benefit | Reflected in lower monthly cost (lessor claims credit) | Not applicable for financed ownership installs |
| Maintenance | Fully handled by Lunex | Homeowner responsibility |
| Monthly Cost | Flat rate, typically lower than utility bill | Loan payment + remaining utility cost |
| Home Sale Impact | Transferable lease | Increases resale value |
| Ideal For | Homeowners seeking affordability and simplicity | Long-term owners investing in property value |
Hybrid and Commercial Options
For commercial clients, nonprofits, and homeowners with complex energy needs, Lunex Power offers custom hybrid leasing and PPA models that balance affordability and control. These options can include storage and EV charging integration while keeping total costs predictable.
How Lunex Power Optimizes Every Path to Solar
Smart Financial Modeling
Lunex Power’s in-house modeling platform evaluates 20+ factors—roof conditions, shading, usage history, rate design, and market incentives—to determine which path (lease or ownership) provides the best lifetime value.
Every quote includes a side-by-side financial comparison, so you can see total 25-year savings, payback timelines, and system value at a glance.
Battery Storage and EV Integration
Whether you choose a lease or a loan, Lunex Power can bundle battery storage and EV chargers for seamless installation. Both integrate into your monthly plan and qualify for current incentive structures through your lessor or utility provider.
Want to see which option fits your home?
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Conclusion: Leasing Leads for 2025
As the solar market transitions away from homeowner ITC eligibility, leasing has become the most affordable and practical way to go solar in Florida. With low monthly payments, built-in maintenance, and incentives already reflected in your rate, Lunex leases offer unmatched simplicity and savings.
For homeowners who prefer long-term ownership and property value growth, financing remains a solid path—but for most Florida families, Lunex leasing provides the fastest route to lower bills and energy independence.
Compare leasing and ownership options with a Lunex specialist »