Sungage Solar Loans
for residential solar energy systems only
- Own your solar energy system
- Zero $ down for qualified homeowners
- Monthly solar payment = LESS than your avg electric bill
- Choose Your Power®
Top 3 Reasons to Own & Finance Your Solar Energy in 2026+
You Want to Save on Your Electric Bill
Most people with good credit can finance their solar system with $0 down and enjoy a total solar payment that’s less than their average electric bill.
You Want to OWN Your Power
Leases and power purchase agreements still having you paying someone for electricity for life. OWN your solar energy system and once the loan is paid.
You Want Predictability
A fixed monthly payment can help you turn a wildly rising utility bill into something more stable and easier to plan around.
Introducing SunGage Financing for Jamar Power Systems customers
SunGage connects homeowners with consumer-friendly financing options to make solar ownership simple. They focus on ownership (not leasing), so homeowners can capture the long-term value of the system.
What makes SunGage different
Fast + simple approvals
- Apply online in about 5 minutes and get a decision quickly.
- Applications use a soft credit pull (your score isn’t impacted by applying).
No “bank hoops”
- SunGage offers access to funding for solar, batteries, and roof work with no appraisals and no home equity requirements.
No down payment required
- $0 down is standard for many borrowers (subject to credit approval).
No prepayment penalties
- You can prepay the loan at any time with no penalty.
Loan security structure
- The loan is secured by the solar equipment (not your home).
- No lien is taken on the home, but a lien is recorded on the installed solar energy system.
Issued by Hatch Bank
- SunGage loans are issued by Hatch Bank, a California-chartered industrial bank.
Lower initial payments with SunGage BrightStart™ (where available)
Some SunGage loans use a deferred payment period structure (BrightStart™) designed to create lower initial monthly payments compared to typical solar financing—assuming similar loan size, rate, term, and autopay enrollment.
SunGage also states they may include state and local incentives in the deferred payment portion when available, which can lower the initial payment further (BrightStart is not available in all states).
Optional flexibility: free re-amortizations (with qualifying prepayment)
SunGage notes that borrowers may have access to unlimited re-amortizations after the deferred portion timing, with a minimum $2,500 prepayment requirement.
In plain English: if you later make a larger extra payment (where eligible), you may be able to reset the payment schedule to lower your monthly payment—without the usual refinance hassle.
(All loan terms vary by product and borrower. Always confirm details in your loan documents.)
How SunGage financing works (the simple version):
Step 1: Design it
Jamar designs a solar + battery system sized for your home and goals, then shows you a proposal with projected savings.
Step 2: Get approved
You’ll receive a secure online link to apply. The application is quick and uses a soft credit pull.
Step 3: Install it
We handle permits, ordering, installation, and inspections.
Step 4: Pay it back
You’ll make monthly payments based on your financing terms—and you can use utility-bill savings and any eligible incentives to help pay down the loan.
FAQs
Do I need money down?
No down payment is required for SunGage loans (subject to credit approval).
Are there prepayment penalties?
No—borrowers may prepay at any time with no penalty.
Can I finance battery storage?
Yes—battery storage can be financed as part of a solar system or even as a standalone battery.
Can I finance roof work with solar?
Yes—roof replacement can be financed if it’s part of the solar installation.
Is SunGage a bank?
No—SunGage connects homeowners with financing options (loans are issued by Hatch Bank).
Get your FREE solar analysis today:
Call us now at (619) 448-7770
Or click here to schedule
Customer Service – they’re here to answer all of your questions on the dollars and cents of going solar.
For more information about other solar financing options, see our blog post on “Solar Financing Options.”
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