Prepaid Solar for PG&E Homeowners

Own your solar for far less than paying cash.

Solar is not dead. Pay once up front, or finance that payment through Travis Credit Union, drop your electric cost to little or nothing, and own the whole system outright at year 6.

Free2 minute quote request

See your prepaid solar number

No pushy sales. One friendly call to walk you through it.

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Solar panel array installed on a Northern California home

Year 6

You own the
system outright

No lien

No credit check

No FICO pull

No lien on your home

Clean title

Fully transferable

Sell your home, no problem

Finance the up front

Through Travis Credit Union

The prepaid lease, in one line

Pay once for solar. Then pay next to nothing for power.

The 30% federal tax credit ended for homeowners at the end of 2025. Prepaid is how Northern California families still go solar and still come out ahead: priced well below buying with cash, with the option to finance the up front payment through Travis Credit Union.

Below cash

Priced well under paying cash up front

Yr 6

You own the system outright

No lien placed on your home

No FICO

No credit check to qualify

Your ownership timeline

Year 1 you power your home. Year 6 you own it.

A clear path with a real finish line. This is a lease that ends with you owning the equipment, not a bill that never stops.

From switch-on to full ownership

Ends in ownership

Year 1

System activated, bill drops

Your prepaid solar goes live and your ongoing electric cost falls to little or nothing. Nothing new added to your mortgage or your title.

Years 2 to 5

Little-to-no electric cost

You keep generating your own power while PG&E rates keep climbing for everyone else. No surprise increases on your solar.

Anytime you move

It transfers with the home

Sell before year 6 and the agreement transfers to the buyer with no underwriting and no credit check. It is an asset on the home, not a weight on the sale.

Year 6

You own it outright

The buyout completes and the system is 100% yours. No more lease, no lien, just your own solar producing power on your roof.

Straight answers

The four things everyone asks first.

Q.I cannot drop a lump sum right now.

You do not have to. The up front payment can be financed through Travis Credit Union, so you spread it out and still lock in the prepaid price. Say the word and we will walk you through both options.

Q.Do I actually own it, or lease it forever?

You own it. This is a lease with a defined finish line: at year 6 the system is yours outright. No endless payments, no balloon surprise.

Q.What about my credit and a lien on my house?

No credit check and no FICO pull to qualify, and no lien is placed on your home. Your title stays clean.

Q.What if I sell before it is paid off?

It transfers to the buyer with no underwriting and no credit check. Moving does not trap you or kill the deal.

What you can put on prepaid

Solar, solar plus battery, or battery only.

Same prepaid structure across all three. We help you design and manage the right setup for your home and PG&E situation.

Solar

Generate your own power

Premium panels sized to your usage so you stop renting electricity from PG&E and start making your own.

Solar + battery

Store it for night and outages

Add a home battery to hold your solar for the evening and keep essentials running when the grid goes down.

Solar only

Solar + battery

Battery only

North Valley Solar Power office in Sacramento

A local team, not a call center

One point of contact from quote to year 6.

North Valley Solar Power designs, coordinates, and manages your entire project, and stays your single point of contact the whole way through. The physical installation is carried out by a licensed installation partner, so the workmanship is covered while you keep one team who knows your home.

Locations serving California

Local

Northern California based

North Valley Solar Power designs and manages your solar project. Installation is performed by a licensed installation partner.

Prepaid solar FAQ

Still deciding? Start here.

Is prepaid solar cheaper than buying with cash?

Yes. Prepaid is priced well below paying cash for a system, which is a big part of why homeowners choose it. For your exact number, request a quote and we will run it for your home. {{TODO: confirm with Kurt}}

How does financing through Travis Credit Union work?

Instead of paying the up front amount all at once, you can finance it through Travis Credit Union and spread it out. You still get the prepaid pricing. We will walk you through the details on your quote call. {{TODO: confirm with Kurt}}

Do I really own the system, or is it a forever lease?

You own it. This lease ends in ownership: at year 6 the equipment is yours outright, with no lien and no ongoing lease payment.

Will this put a lien on my home or hurt my credit?

No. There is no credit check to qualify and no lien is placed on your home. Your title stays clean.

What happens if I sell my home before year 6?

The agreement transfers to the buyer with no underwriting and no credit check, so selling is simple.

Can I do just a battery, or solar plus a battery?

Yes. Prepaid works for solar, solar plus battery, or battery only. We help you design and manage whichever fits your home and PG&E usage.

Does North Valley Solar Power install the system?

North Valley Solar Power designs, coordinates, and manages your project and is your single point of contact. The physical installation is performed by a licensed installation partner.