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Sunlight Financial - Profile & Reviews

Sunlight Financial is on a mission to save homeowners money and protect our environment.

Sunlight partners with solar companies nationwide to offer homeowners innovative, affordable loans. Sunlight's best in class technology and deep credit expertise simplifies and streamlines consumer finance, enabling Sunlight's strategic partners to quickly and easily provide homeowners with economic savings and environmental benefits.

Sunlight is in it for the long term, with our partners and our customers. Sunlight secures financial commitments, then makes loans available, fairly and responsibly.

In a rapidly changing market, Sunlight develops simple, intuitive processes that facilitate and accelerate the purchase, sale and installation of residential solar systems. Sunlight cares deeply about user experience, and keeps solar companies and homeowners top of mind in our online portal and flexible APIs.

Sunlight works with our strategic partners to create financial products that we believe in. And Sunlight hires, trains and develops teammates committed to providing service and support as reliable as the sun itself.

74 reviews

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  • "Bad Biz"

    Reviewed Jul 29, 2020

    Don’t get a loan do the lease thing, Reason I say this is we got panels and used Tesla, loan is through Sunlight financial, well if you want to move your screwed out of your, equity because they won’t transfer UCC1 code or what ever it is which keeps them from losing panels if house forecloses, that the panel are not part of the house etc. (we would of paid for app fee to transfer to our new home) and the panels have to be paid off - which means house can’t be sold unless they are ...How do you pay a 28,000 loan? your equity and they know that and won’t let you just move the panels to the new house with a new UCC1 code, when you want to move to and just continue to pay out loan monthly! Hell their interest on that is another 28 So frustrating for get the equity for the down on your new home Sunlight gets it !!! Yes I’m disappointed and will warn others not to do this !!! So dumb !!! Has we been told you can not move panels if you do decide to move unless they are paid off We would not have gotten them :-( do we like the energy saving yes it’s just sunlight we are not happy with

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Jul 30, 2020
    Response from Sunlight Financial
    Responded Jul 30, 2020

    Sunlight Financial LLC (“Sunlight”) takes seriously each instance of customer dissatisfaction and appreciates the opportunity to respond to this review. Sunlight facilitates loans for solar systems on behalf of its lender partners. These solar system loans are secured by the relevant lender (and not Sunlight) taking a security interest in the solar system, as evidenced by a UCC-1 financing statement; however, the lender does not take a security interest in the residence on which the solar system is installed. In the event a borrower wishes to sell the residence on which a solar system is installed, the borrower may pay off the loan in full or the buyer may elect to take over the solar system loan as part of the home sale, provided the buyer is qualified according to Sunlight and the lender’s underwriting criteria. In either case, Sunlight does not receive additional compensation. These aspects of the loan are explained in each borrower’s solar loan agreement.

    In limited instances, a lender may approve a solar system’s removal and reinstallation on a different residence, but Sunlight is unable to authorize a removal or reinstallation without the lender’s consent. In addition, the removal and reinstallation of a solar system involves additional cost associated with the relevant installer’s labor (none of which benefits Sunlight or the lender) and may impact the installer’s or manufacturer’s warranties applicable to the system.

    We hope this provides some clarity to this customer and others interested in solar financing. Thank you.

  • "Frustrated"

    Reviewed Jul 23, 2020

    Encore Solar installed my panels back in Feb and I still don't have solar power. Sunlight refused to help me but demand payment on a product not working. Still haven't received reimbursement from Encore Solar. Wish I would have read the reviews before singing.

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Jul 28, 2020
    Response from Sunlight Financial
    Responded Jul 28, 2020

    Hi Mike, We want to sincerely apologize for your negative experience regarding your solar install. However, we’d like to learn more about your situation and what exactly occurred. We want to make things right. Can you please contact our support team at support@sunlightfinancial.com and provide the best contact number to reach you directly.

    We look forward to hearing from you and working together to find a solution for a more pleasant experience.

  • "I would not recommend them!"

    Reviewed Jun 24, 2020

    My panels were installed since mids of december 2019. Until now they have not generate any power. I have called sunlight so many times and all they tell me is they will escalate to their manager. I had 720+ credit score and still gave me a 3.99% interest. Ow, but they are getting they're payment every month no matter what. This company IS A JOKE BEWARE EVERYONE OUT THERE!!!!

  • "Finance Charges"

    Reviewed May 28, 2020

    Did you know this company charges 4% a day with a great Credit score? I have to refinance my house to get out of this scam, don’t fall for it, Solar is the way of the future, but what they’re charging is so wrong.

    Rich Recchio
    Supplier
    Response from Sunlight Financial
    Responded Jun 24, 2020
    Response from Sunlight Financial
    Responded Jun 24, 2020

    Good afternoon,
    We want to sincerely apologize for your negative experience regarding our interest rate. However, we’d like to learn more about your situation and what exactly occurred. We want to make things right. Our customer support team will reach out to you directly.
    We look forward to hearing from you and working together to find a solution for a more pleasant experience.

  • "Be patient."

    Reviewed May 23, 2020

    The panels take time before they start to generate power. My panels were put on line in October.They didn't begin to generate power until six months later.Unhappily,the one green flashing light indicated the unit had to be re-booted.Once re-booted it functioned much better!! Make sure two green bars are lit.A steady,not flashing,light.The representatives have been very professional. They worked with me to resolve my issues.

    Rich Recchio
    Supplier
    Response from Sunlight Financial
    Responded Jun 24, 2020
    Response from Sunlight Financial
    Responded Jun 24, 2020

    We are incredibly grateful that you took the time to leave us this note. Our company values customer satisfaction as a top priority, and we are committed to our customers and their desire to go solar. Its customers like you that make our job wonderful. Cheers.

  • "Financial service"

    Reviewed Apr 19, 2020

    Help the tax credit information.

  • "Excellent Service on Solar Loan with Sunlight Financial"

    Reviewed Mar 26, 2020
    "Excellent Service on Solar Loan with Sunlight Financial"

    Reviewed Mar 26, 2020

    We are completing our 2nd year of working with Sunlight Financial on repayment of our solar loan with them. The loan contract was sound and both sides are executing their parts smoothly and efficiently. The terms were excellent, and we like the pre-payment ability afforded us throughout the life of the loan. We are pleased with Sunlight Financial and would not hesitate to work with them on future financial needs. We very much appreciate our relationship with Sunlight Financial and their support.

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 27, 2020
    Response from Sunlight Financial
    Responded Mar 27, 2020

    Thanks for leaving us such a wonderful review. We are glad that you had such a pleasant experience with Sunlight Financial. Our dedicated staff will be pleased to learn of your high praise. Once again, thank you for your kind words. Cheers.

  • "Rating Sunlight"

    Reviewed Mar 25, 2020

    Have had no problems with Sunlight

  • "Best Investment"

    Reviewed Mar 25, 2020

    We installed solar panels last year. The difference is my electric bill has put a big smile on my face. Every month I no longer cringe when the bill comes in. I'm actually excited to see how much we saved for t he month. We no longer have to dress in layers to stay warm or the summer months to sweat. I would encourage everyone to save energy and money by letting Sunlight install solar panels.

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 25, 2020
    Response from Sunlight Financial
    Responded Mar 25, 2020

    Thanks for taking the time to share your prestige opinion on Sunlight Financial with other community members. We take pride in providing outstanding service for every customer, and we’re overjoyed to receive your compliments and appreciation. Cheers.

  • "level of service"

    Reviewed Mar 25, 2020

    the service provided was excellent infall respects. reactions were timely, no promises were made that were not kept and all i's were dotted and t's were crossed.

  • "Sunlight Financial"

    Reviewed Mar 24, 2020

    Easy, fast, and excellent support.

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 25, 2020
    Response from Sunlight Financial
    Responded Mar 25, 2020

    Thanks for taking the time to share your prestige opinion on Sunlight Financial with other community members. We take pride in providing outstanding service for every customer, and we’re overjoyed to receive your compliments and appreciation. Cheers.

  • "Finance for solar system."

    Reviewed Mar 24, 2020

    The finance was set up very efficiently.

  • "solar pannel account"

    Reviewed Mar 24, 2020

    the account access and payment process was easy to set up after the purchase of the solar pannels

  • "Get solar"

    Reviewed Mar 24, 2020
    "Get solar"

    Reviewed Mar 24, 2020

    My bill has drastically reduced.

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 25, 2020
    Response from Sunlight Financial
    Responded Mar 25, 2020

    We are incredibly grateful that you took the time to leave us this note. Our company values customer satisfaction as a top priority, and we are committed to our customers and their desire to go solar. Its customers like you that make our job wonderful. Cheers.

  • "Excellent and easy"

    Reviewed Mar 24, 2020

    This is the first financial institution I have dealt with that is easy peasy.

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 25, 2020
    Response from Sunlight Financial
    Responded Mar 25, 2020

    Thanks for taking the time to share your prestige opinion on Sunlight Financial with other community members. We take pride in providing outstanding service for every customer, and we’re overjoyed to receive your compliments and appreciation. Cheers.

  • "UR Not My Company"

    Reviewed Mar 24, 2020
    "UR Not My Company"

    Reviewed Mar 24, 2020

    I don't use this company.

  • "JOB WELL DONE"

    Reviewed Mar 24, 2020

    I am very satisfied with the service many of the associates provided. The responded better than I could have expected and some. Would recommend any of my family or friends looking to buy Solar to give them a go. Job well done!

  • "Review"

    Reviewed Mar 24, 2020

    I have had no problems with Sunlight. I appreciate everything your company has done for me. Very prompt and courteous.

  • "A Company That Follows Through"

    Reviewed Mar 24, 2020
    "A Company That Follows Through"

    Reviewed Mar 24, 2020

    It has been a pleasure working with Sunlight Financial. Whenever I call, I get a timely response by a courteous and knowledgeable staff member. I anticipate a very successful working relationship in the long term. That is a compliment in and of itself. many companies seem to forget Customer service principles after you have signed on the dotted line.

  • "Great Team"

    Reviewed Mar 24, 2020

    Everyone was helpful and worked hard to get things done quickly and efficiently.

  • "Great customer service."

    Reviewed Mar 24, 2020
    "Great customer service."

    Reviewed Mar 24, 2020

    Process took about 10 to 12 weeks to get everything set up, from installations to approval and usage of the equipment. They communicated during and after the process, very happy with my choice.

  • "good experience"

    Reviewed Mar 24, 2020

    I have had our solar for almost 2 years. Through the loan process and the time since I have nothing but good things to say about Sunlight Financial. Easy to work with and responsive to my needs.

  • "Sunlight"

    Reviewed Mar 24, 2020

    Great

  • "Sunlight financial review"

    Reviewed Mar 23, 2020

    Their rates are pretty good and they do offer an online portal but it's pretty limited. One big negative, when I was refinancing my house, they took a long time to return subordination paperwork which cost me a few hundred dollars because the refi had to be extended.

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 23, 2020
    Response from Sunlight Financial
    Responded Mar 23, 2020

    Dear Lawrence,

    We want to sincerely apologize for your negative experience regarding our customer support. However, we’d like to learn more about your situation and what exactly occurred. We want to make things right. Can you please contact our support team at support@sunlightfinancial.com and provide the best contact number to reach you directly.

    We look forward to hearing from you and working together to find a solution for a more pleasant experience.

  • "Not a recommend financial institute"

    Reviewed Mar 23, 2020
    "Not a recommend financial institute"

    Reviewed Mar 23, 2020

    I wan to star by saying that Sunlight financial, are a big liars they are a huge scam they told me I was gonna get over thirteen thousand dollars rebate on my income taxes this year 2020 base on the solar system I install in my property also in the information I provide them about my income. Didn't happen at all not even near I only got back $1,825 dollars and customers only have three chances to claim this type of rebate and my accounting person follow step by step with sunlight financial agent instructed us to claim the rebate and what form to used. So bottom line is that I'll be getting counting the other two chances I have left beside this year if I get the same in the other two more years to come I be getting in total of $5,475 dollars. Also when I called customer services Sunlight financial I asked them what about if I can obviously give at the 17 month grade period that you guys give customer to give back the insentive from government which in my case is over 13 thousand dollars since am not getting back not even near that amount would you guys increase my monthly payment and they told me yes. AM TELLING YOU folks stay away from this clown they are not profesional and all they care is to take your money. There's no saving on solar everything is a huge scam. This is a real customer am not lying about this comment 100% true. People take my advice. DO NOT GO SOLAR.

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 23, 2020
    Response from Sunlight Financial
    Responded Mar 23, 2020

    Hi Kenny,

    Thank you for reaching out to Sunlight Financial. Please know that we take all complaints seriously. The signed installation contract does not include any guarantee regarding your ability to claim the federal income tax credit. Please note that your signed loan agreement expressly provides that the tax credit is not guaranteed and recommends that you consult your tax professional. Please contact us with any further questions or concerns.

    Thank you,

    The Sunlight Team

  • "New Solar System!"

    Reviewed Mar 23, 2020

    WE HAD A NEW SOLAR SYSTEM PUT IN AND IT WORKS GREAT AND OUR POWER BILLS ARE LIKE 16.50 AND THE HIGH WAS 64.50. THANK YOU!

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 23, 2020
    Response from Sunlight Financial
    Responded Mar 23, 2020

    We are incredibly grateful that you took the time to leave us this note. Our company values customer satisfaction as a top priority, and we are committed to our customers and their desire to go solar. Its customers like you that make our job wonderful. Cheers.

  • "Solar"

    Reviewed Mar 23, 2020

    Not much contact but everything worked out ok

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 23, 2020
    Response from Sunlight Financial
    Responded Mar 23, 2020

    We are incredibly grateful that you took the time to leave us this note. Our company values customer satisfaction as a top priority, and we are committed to our customers and their desire to go solar. Its customers like you that make our job wonderful. Cheers.

  • "Good Job"

    Reviewed Mar 23, 2020

    Sunlight made the whole process on line very easy to work with. There a few adjustments and that was handled well also. So the whole experience was great. I would welcome see them on any of my future purchases.

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 23, 2020
    Response from Sunlight Financial
    Responded Mar 23, 2020

    Thanks for leaving us such a wonderful review. We are glad that you had such a pleasant experience with Sunlight Financial. Our dedicated staff will be pleased to learn of your high praise. Once again, thank you for your kind words. Cheers.

  • "Awesome!!"

    Reviewed Mar 23, 2020

    I’m fascinated with the service, but especially the interest, and thankful because for you help can I realize my project

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 23, 2020
    Response from Sunlight Financial
    Responded Mar 23, 2020

    Thanks for leaving us such a wonderful review. We are glad that you had such a pleasant experience with Sunlight Financial. Our dedicated staff will be pleased to learn of your high praise. Once again, thank you for your kind words. Cheers.

  • "Solar panels"

    Reviewed Mar 23, 2020

    We had several workers that got the job done. Then of course our electric company approved the work. We have paid very little to the electric company and only pay for the panels. We are happy to know that our payments will never increase. I monitor the system and love to see how much energy we produce.

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 23, 2020
    Response from Sunlight Financial
    Responded Mar 23, 2020

    We are incredibly grateful that you took the time to leave us this note. Our company values customer satisfaction as a top priority, and we are committed to our customers and their desire to go solar. Its customers like you that make our job wonderful. Cheers.

  • "Great Product Great Service!"

    Reviewed Mar 22, 2020

    I've been very happy with Sunlight - no problems whatsoever!

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 23, 2020
    Response from Sunlight Financial
    Responded Mar 23, 2020

    We are incredibly grateful that you took the time to leave us this note. Our company values customer satisfaction as a top priority, and we are committed to our customers and their desire to go solar. Its customers like you that make our job wonderful. Cheers.

  • "Very impressive."

    Reviewed Mar 22, 2020

    Working with this company gave me the confidence that I was making a very educated decision. The staff were very friendly and professional. They did a very good job that has made my neighbors keep asking me for a referral. They have a commendable tech support program .

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 23, 2020
    Response from Sunlight Financial
    Responded Mar 23, 2020

    Thanks for taking the time to share your prestige opinion on Sunlight Financial with other community members. We take pride in providing outstanding service for every customer, and we’re overjoyed to receive your compliments and appreciation. Cheers.

  • "Review of sunlight financial co."

    Reviewed Mar 22, 2020
    "Review of sunlight financial co."

    Reviewed Mar 22, 2020

    Excellent communication with company rep regarding terms of loan and process of payment, etc. Representative was very thorough and made sure I understood what she had told me.

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 23, 2020
    Response from Sunlight Financial
    Responded Mar 23, 2020

    Thanks for taking the time to share your prestige opinion on Sunlight Financial with other community members. We take pride in providing outstanding service for every customer, and we’re overjoyed to receive your compliments and appreciation. Cheers.

  • "Tesla and Sunlight Financial made it easy."

    Reviewed Mar 22, 2020
    "Tesla and Sunlight Financial made it easy."

    Reviewed Mar 22, 2020

    The ease of which the whole solar system and payment process came about was easy for us. Tesla handled all the paperwork and Sunlight handled setting up the payments. We now enjoy 101% offset to our electric bill an the system runs our whole house and charges both our electric cars.

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 23, 2020
    Response from Sunlight Financial
    Responded Mar 23, 2020

    Thanks for taking the time to share your prestige opinion on Sunlight Financial with other community members. We take pride in providing outstanding service for every customer, and we’re overjoyed to receive your compliments and appreciation. Cheers.

  • "Review"

    Reviewed Mar 22, 2020

    Simple and quick

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 23, 2020
    Response from Sunlight Financial
    Responded Mar 23, 2020

    Thanks for leaving us such a wonderful review. We are glad that you had such a pleasant experience with Sunlight Financial. Our dedicated staff will be pleased to learn of your high praise. Once again, thank you for your kind words. Cheers.

  • "Solar townhouse"

    Reviewed Mar 22, 2020

    Our townhouse has a roof facing south, so it was a good candidate for panels. Our panels were installed and connected in the fall. Winter months with shorter days, clouds, and snow are not the best time to evaluate the production of solar electricity, but on our February bill, our panels out produced our electrical use. Having added 2 EV vehicles last summer which we plug in at home, this means that our panels also covered the cost of charging our vehicles. Nice!

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 23, 2020
    Response from Sunlight Financial
    Responded Mar 23, 2020

    Thanks for leaving us such a wonderful review. We are glad that you had such a pleasant experience with Sunlight Financial. Our dedicated staff will be pleased to learn of your high praise. Once again, thank you for your kind words. Cheers.

  • "Phenomenal Company"

    Reviewed Mar 22, 2020

    Excellent company to work with, so efficient and helpful. Got the Job done quickly & neatly. Saving so much on electrical already.

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 23, 2020
    Response from Sunlight Financial
    Responded Mar 23, 2020

    Thanks for taking the time to share your prestige opinion on Sunlight Financial with other community members. We take pride in providing outstanding service for every customer, and we’re overjoyed to receive your compliments and appreciation. Cheers.

  • "Easy Finance"

    Reviewed Mar 22, 2020

    Process was smooth and easy to get financed to buy our solar. Definently reccomend to get the tax rebate. You can have it paid off in no time!

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 23, 2020
    Response from Sunlight Financial
    Responded Mar 23, 2020

    Thanks for leaving us such a wonderful review. We are glad that you had such a pleasant experience with Sunlight Financial. Our dedicated staff will be pleased to learn of your high praise. Once again, thank you for your kind words. Cheers.

  • "Excellent service"

    Reviewed Mar 22, 2020

    Great company and wonderful service

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 23, 2020
    Response from Sunlight Financial
    Responded Mar 23, 2020

    Thanks for leaving us such a wonderful review. We are glad that you had such a pleasant experience with Sunlight Financial. Our dedicated staff will be pleased to learn of your high praise. Once again, thank you for your kind words. Cheers.

  • "Sales"

    Reviewed Mar 21, 2020

    Miss led buy salesman

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 23, 2020
    Response from Sunlight Financial
    Responded Mar 23, 2020

    Dear Robin,

    We want to sincerely apologize for your negative experience regarding our customer support. However, we’d like to learn more about your situation and what exactly occurred. We want to make things right. Can you please contact our support team at support@sunlightfinancial.com and provide the best contact number to reach you directly.

    We look forward to hearing from you and working together to find a solution for a more pleasant experience.

  • "No excuse not to have solar!"

    Reviewed Mar 20, 2020

    The financing was easy with no hidden fees or price gouging. The payments were less than my electric bill. I paid off the loan with my Roth IRA when I turned 59.5 and had no problems with that either.

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 23, 2020
    Response from Sunlight Financial
    Responded Mar 23, 2020

    Thanks for taking the time to share your prestige opinion on Sunlight Financial with other community members. We take pride in providing outstanding service for every customer, and we’re overjoyed to receive your compliments and appreciation. Cheers.

  • "Good company"

    Reviewed Mar 20, 2020

    Panels work as expected. Could use more generating capacity, but clouds and rain interfere

  • "Check back for solar generated electricity"

    Reviewed Mar 20, 2020
    "Check back for solar generated electricity"

    Reviewed Mar 20, 2020

    After a year of solar generation, I got a check that will cover my electric bill for half a year. The installation was done quickly and I got a badly needed roof installation at the same time. Thanks!

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 23, 2020
    Response from Sunlight Financial
    Responded Mar 23, 2020

    Thanks for leaving us such a wonderful review. We are glad that you had such a pleasant experience with Sunlight Financial. Our dedicated staff will be pleased to learn of your high praise. Once again, thank you for your kind words. Cheers.

  • "Happy customer"

    Reviewed Mar 20, 2020

    When my wife and I decided to go solar, the solar company, 3Guys Solar from Orlando Fl, put the financing thru Sunlight Financial. We received approval immediately and the whole project and paperwork process was flawless. Sunlight has been responsive to any questions involving our account. We are completely happy and satisfied with our relationship with Sunlight Financial

    Rich Recchio
    Supplier
    Response from Sunlight Financial
    Responded Mar 20, 2020
    Response from Sunlight Financial
    Responded Mar 20, 2020

    Thanks for leaving us such a wonderful review. We are glad that you had such a pleasant experience with Sunlight Financial. Our dedicated staff will be pleased to learn of your high praise. Once again, thank you for your kind words. Cheers!

  • "great experience, great loan"

    Reviewed Mar 20, 2020

    Sunlight Financial did an awesome job on getting us our loan for our Solar System, and it has been a good experience in paying it off. Thanks Sunlight Financial.

    Rich Recchio
    Supplier
    Response from Sunlight Financial
    Responded Mar 20, 2020
    Response from Sunlight Financial
    Responded Mar 20, 2020

    We are incredibly grateful that you took the time to leave us this note. Our company values customer satisfaction as a top priority, and we are committed to our customers and their desire to go solar. Its customers like you that make our job wonderful.

  • "Great Loan for Solar!"

    Reviewed Mar 20, 2020

    Sunlight Financial had great terms and easy loan processing. I'd recommend them for anyone financing solar.

    Rich Recchio
    Supplier
    Response from Sunlight Financial
    Responded Mar 20, 2020
    Response from Sunlight Financial
    Responded Mar 20, 2020

    Thanks for taking the time to share your prestige opinion on Sunlight Financial with other community members. We take pride in providing outstanding service for every customer, and we’re overjoyed to receive your compliments and appreciation. Cheers.

  • "Seamless Solar Loan"

    Reviewed Mar 20, 2020

    While receiving proposals for PV (photovoltaic) home solar, I came across Sunlight Financial through Tesla Energy (car manufacturer). There were two options for a loan based on length which had favorable rate/term compared to other lenders that appealed to me. The whole process was seamless and online which allowed me to have solar panels installed on my roof in a timely manner and before the tax credit decreased for 2020. Sunlight Fin. works with a local lender to facilitate the loan. Solar loans are unique in the fact that after 18 months, if you pay the percentage of ITC (incentive tax credit) down, your payment remains the same as when the loan started. If you don't pay down the ITC amount due in month 18, then your loan payment increases, but not substantially. I chose a loan to keep my cash reserves and the benefit is definitely worth it since my payment to the both the lender and energy company is less than if I had not received a loan. It's a win win!

    Rich Recchio
    Supplier
    Response from Sunlight Financial
    Responded Mar 20, 2020
    Response from Sunlight Financial
    Responded Mar 20, 2020

    Thanks for leaving us such a wonderful review. We are glad that you had such a pleasant experience with Sunlight Financial. Our dedicated staff will be pleased to learn of your high praise. Once again, thank you for your kind words. Cheers.

  • "Dee"

    Reviewed Mar 20, 2020

    I'm so pleased with the results of my Solor. It's easy to track the power usages per day. I could not be happier.

    Jennifer Hurst
    Supplier
    Response from Sunlight Financial
    Responded Mar 23, 2020
    Response from Sunlight Financial
    Responded Mar 23, 2020

    Thanks for leaving us such a wonderful review. We are glad that you had such a pleasant experience with Sunlight Financial. Our dedicated staff will be pleased to learn of your high praise. Once again, thank you for your kind words. Cheers.

  • "Aweful!!! Do Not Use this company."

    Reviewed Mar 10, 2020
    "Aweful!!! Do Not Use this company."

    Reviewed Mar 10, 2020

    Update:
    I read Sunlight's response and clearly they didn't even read my review or they wouldn't be asking me to call to explain what happened. Am I allowed to do ZERO STARS? You people are hopeless!!!!

    Original review:
    I couldn't remember what my interest rate so I called the number on the bill. Thought this would take five minutes at most.
    We it is now 34 minutes since this began to have them find my account and tell me the interest rate. Unbelievable! No one picked up at the number written on the bill. I tried the customer extention, called back and tried the realtor extention and called back a third time, can't remember what they said the third extention was and again it rang and rang and rang and finally a machine picked up asking for me to leave a message. I did that.
    Then I google them called that number, selected the customer extension eventually someone answered.
    I was thrilled to talk to a person. I told the man all I needed was me interest rate and I have my account number, couldn't find me, asked for my name, spelled out my name, couldn't find me, then I said it again, spelled it, then the email address, then a different email address, nope, then he puts me on hold for 8 minutes and 54 seconds. He got on the line to say they found my account but he had to put me on hold again to find the interest rate. On hold again but he came back in about two minutes. Unbelievable!!!!
    I'm going to get a loan just to pay off this loan so I never have to deal with them again. Horrible, waste of my time!!!#

    Rich Recchio
    Supplier
    Response from Sunlight Financial
    Responded Mar 11, 2020
    Response from Sunlight Financial
    Responded Mar 11, 2020

    Dear Liz,

    We want to sincerely apologize for your negative experience regarding our customer support. However, we’d like to learn more about your situation and what exactly occurred. We want to make things right. Can you please contact our support team at support@sunlightfinancial.com and provide the best contact number to reach you directly.

    We look forward to hearing from you and working together to find a solution for a more pleasant experience.

  • "Very Responsive"

    Reviewed Dec 20, 2019

    Everything has gone through as I was in the room with them. This has been a smooth process of financing. Thank you.

  • "Unfriendly"

    Reviewed Nov 09, 2019

    Tone of their letter describing terms of loan was very threatening! Having had credit for over 50 years without ever defaulting on a loan (Credit Score over 800) I was appalled at what I was reading. I called Solar Company I am using and suggested they find another loan company.

  • "Night mare !!!!!!!!!! Beware !!!!!!!!!"

    Reviewed Oct 23, 2019
    "Night mare !!!!!!!!!! Beware !!!!!!!!!"

    Reviewed Oct 23, 2019

    Just read all these horrible reviews. I am not happy at all with this company and with all these issues looks like a deceptive trade practice lawsuit.

  • "Beware - same experience as others"

    Reviewed Oct 01, 2019
    "Beware - same experience as others"

    Reviewed Oct 01, 2019

    You don't get the tax credit they promise you. There is no way in their online system to pay off the principal early. They don't tell you that you are paying interest only for the first year. This isn't a financial company, it is a SCAM.

    1 person found this helpful
  • "No Follow Through"

    Reviewed Jun 08, 2019

    This company never follows its terms of agreement. Install is from the date everything is hooked up and approved by your building official and they went by the day they were dropped in the driveway. Multiple calls made that are never returned. Tell you one thing and then never follow through. Was advised they would re-age the account to fix their issue and then denied that the conversation ever occurred. Appears that no one really cares about the borrower only the companies that install the panels. This would be a good company for a Class Action Lawsuit by the vast amount of similar claims on these reviews.

    4 people found this helpful
  • "Excellent service, could not have been easier"

    Reviewed May 09, 2019
    "Excellent service, could not have been easier"

    Reviewed May 09, 2019

    The whole solar panel process was seamless. We had one point of contact who was professional, knowledgeable, and available. They took care of the whole thing and even worked with the city and HOA to make this happen. Great service!

  • "I wish I could give 0 stars."

    Reviewed Apr 11, 2019
    "I wish I could give 0 stars."

    Reviewed Apr 11, 2019

    Much like other negative and extremely honest reviewers, this company is HORRIBLE. I've never seen such deception. For example I tried to give them $1,800.00 for my first payment and I was set up on "auto pay" according to them. They rejected the $1,800.00 payment and then had the audacity to charge me a "late fee" for missing my payment, even while I was according to them enrolled in "auto pay" - seriously?!?!?! They told me to contact my financial institution, which I did and they said everything was fine (I had enough money in the account and there were no restrictions). I would avoid this company at all costs. I'm currently looking into a fixed rate HELOC through a local credit union so I can pay off these crooks as soon as possible and get them out of my life. I may send my experience to the BBB and I've never done that before - that's how bad they are. Their online system might be from the late 1980's and "auto pay", well be careful even if they send you confirmations. I'm beyond frustrated with their incompetence.

    3 people found this helpful
  • "They are more corrupt than Wells Fargo"

    Reviewed Mar 17, 2019
    "They are more corrupt than Wells Fargo"

    Reviewed Mar 17, 2019

    They are inept, incompetent, and provide fraudulent billing statements. The first year and half are reduced payments, GreenEnergy did not inform us it was interest only on a 44K loan. We have been making extra payments as "Principle Only". Last month statement only shows we made a 122.67 payment when we actually paid 222.67 Interest only and extra 200.00 for principle only for a total of 422.67. This is deceptive business practice and fraudulent billing. I want out of this loan ASAP. I do not recommend them to our enemies.

    4 people found this helpful
  • "Be afraid, be very afraid!"

    Reviewed Feb 27, 2019

    I'd give them ZERO stars if that were an option. When purchasing the system we were told a $10,000 tax refund would be ours or 30% of purchase price as soon as we filed our taxes. As long as we applied that $10,000 to the loan, our monthly payment would not increase. WRONG, found out it was a whopping $646 refund and none of that goes to us, only the IRS.

    Forget that, I paid $15,000 to them to not only keep the payment from increasing, but just to get this hideous loan paid off. I requested an amortization schedule and low and behold, ZERO dollars have been paid to principal prior to the above payment for nearly a year. Then, a portion of this large payment, NOT THE FULL PAYMENT, was put towards principal and the payment still shows an increase of $70 a month. Been trying to reach the Director for over a week, never a returned call or even an email. Time for a lawyer. This is NOT legal as a fixed loan. If you are experiencing the same issues, please be verbal about it.

    4 people found this helpful
  • "Wish there was a no stars button."

    Reviewed Feb 12, 2019
    "Wish there was a no stars button."

    Reviewed Feb 12, 2019

    About a 1.5 month(s) ago, I found out that I not only had one loan out with this company but I had two. I got a random letter in the mail. I contacted them and advised them of this information and they informed me they would escalate my call and I would get a call from the finance manager. After three weeks of no calls, I called them back. A lady named Ashley advised that she would make sure a manager called me back within 24 hours. 72 hours later, still no call. I contacted them again and they said they'll escalate it to a manager. 48 hours later, still no call. Called again, told me they just spoke with the manager and he will call me in 20 minutes. 72 hours later still no call. I decided to start calling every day and they kept telling me that they will call back within 24 hours. Still no call. This is ridiculous. I will be reaching out to the Better Business Bureau over this issue. As of now, still no call backs.

    2 people found this helpful
  • "Not real happy"

    Reviewed Feb 03, 2019

    I wish we never would of done this. Costing us a fortune and hasn’t done anything towards our electric bill, but of course I guess it hasn’t been ten years so why would we see a difference. They tell us we have to give them all of our federal tax return in order to pay down on the panels, which I think is bullshit! What you pay for the panels you could buy a small house! Thought maybe we would get something from them for tax purposes, but I guess not. How the hell does that work? Not a happy camper. Been paying on these three months and our principal balance has gone down one dollar. Whatever! About to call and talk to a lawyer

    2 people found this helpful
  • "Impossible to Make Payments"

    Reviewed Jan 01, 2019

    Set up auto-pay, then keep getting notices that my payment was not received. Go online to make my payment manually and you cannot find their online payment center AT ALL. Not through their homepage, not throwing them Google, nothing. Their past due notice doesn’t list their website at all, let alone instructions on how to pay them online. I would never use this company again not recommend it. They seem more intent on destroying their customers’ credit rather than making it easy for customers to make payments. Beware doing business with them.

    2 people found this helpful
  • "I wish I never bought solar panels"

    Reviewed Nov 28, 2018
    "I wish I never bought solar panels"

    Reviewed Nov 28, 2018

    I’ve never had so many issues with a company so quick It hasn’t even been 60 days since my first payment was due which I never received any bill for even though I set up automatic payments for. They said that I had submitted a blank page where my account information was supposed to be My signature was attached to it but no info and that is why the payment never came out. Why would I submit a blank page with my signature? Now they are saying I am Overdue by double the amount that was contracted for. The contract clearly states that only $199 is due 60 days after the installation. Because of the date of installation was entered incorrectly for a month earlier, they charged me twice the amount breaking the contract. It has been such a pain to fix it because the Account customer service people say that the company head supervisor has to be the one to override it but the head supervisor says the account services people have to be the ones to change it. I even reached out to the people who installed it and received an email stating the date that it was installed clearly so I have proof that the data entered was Incorrect. It’s like they’re not even communicating with each other and randomly making a contact Not only have they broke their contract, they cannot give me a straight answer and they can’t make a decision as to how to fix it between the financing and the supervisor. I’ve been pushed back & forth between the two Meanwhile, They sent the payment to collections so I’m also trying to Deal with that so that it doesn’t ruin my credit. By the way this is my very FIRST payment that was supposed to be automatically pulled 60 days after the installation. People I’m dealing with my very FIRST payment with a crappy company and I have a very long time for this loan to be completed! I haven’t received any correspondence with them about my bill, about the automatic payment page being blank, NOTHING! I was waiting until the end of November for the payment to come out as its due in November But because I chose to check up on it, I am suddenly receiving an email saying that my account is overdue and they tacked on an extra month charge because the installation date that they have is one month earlier than the date that it actually happened. Do not go with this company!!! I implore you do not waste yourtime!

    2 people found this helpful
  • "dont go solar and finance witht them"

    Reviewed Nov 09, 2018
    "dont go solar and finance witht them"

    Reviewed Nov 09, 2018

    I went solar and worked in the industry and left due to the company using this company this is a terrible company to do business with they cant keep my account up to date and my payments are not going to were they should be some times my principal goes to were it should and other times it doesn't nobody can tell me why I ask for a statement and they don't send me one of my entire payment history .I think there very shady and I will be refinancing my loan with someone else and when I called there customer service line with questions I was told that I should refinance with someone else bye them that that's what most people due REALLY!!! BEWARE OF THIS COMPANY!!!

    1 person found this helpful
  • "impossible to make a payment"

    Reviewed Sep 29, 2018

    worst online service, I set up my account to make automatic payments, the payments were never made, now my account is past due. I'm trying to log in and I can´t, trying to talk with a customer services representative and nobody answer....very frustrating.

    1 person found this helpful
  • "Company sucks"

    Reviewed Sep 01, 2018

    There website is a joke. There customer support center is a joke. And there statements they send in the mail are a joke.

    2 people found this helpful
  • "No issues deliver on what they say"

    Reviewed Aug 23, 2018
    "No issues deliver on what they say"

    Reviewed Aug 23, 2018

    Approval process was quick and painless I love the different options when it comes to the loan terms and overall I am very satisfied with the performance. They do what the say they will and the few times I talked to the customer service reps have been pleasant. I would recommend them to anyone looking to go solar.

  • "Solar finance"

    Reviewed Aug 13, 2018

    What a Mickey mouse company that can not give you a statement with a current payment amount and a running total of payments. So you can check your balances with theirs and their website is a bigger joke because that is worse than their invoice or as they call it remittance section meaning....a piece of paper that is worth nothing...they are the worst company with no customer service at all and they tell you that on the phone they are proud of it!!!!

    1 person found this helpful
  • "Easy Loan Process"

    Reviewed Aug 07, 2018

    The loan process was easy and straightforward. Details are clearly written in the original loan documents. I know what my monthly payments are for my 10 yr. loan and the total amount of interest that will be collected when the loan is paid off.

    Solar system is on my roof producing 100% of the energy my household consumes, monthly energy payment is cut in half to pay the loan (P+I) for the solar system and no more payments to the utility company other than a few bucks for the connection fees. What more can I ask for. Thanks for making it possible because I would never have installed solar if I had to front the money.

  • "Good experience"

    Reviewed May 25, 2018

    Sunlight parterned with a technology credit union to get me a great loan (under 3%) on a residential solar system. We are already seeing the benefits of our solar system; thanks Sunlight for helping to facilitate this process. Smooth transaction!

    1 person found this helpful
  • "You are not the customer"

    Reviewed Apr 27, 2018

    Sunlight partners with the installers, the buyer just has to pay the bill. Once the loan documents are signed there is no additional step before the money, your money, flows. After the installation no signature is required, to confirm that the job is completed, the requirement is that there are solar panels on the roof. The installer reports the panels are installed you pay, no questions asked. You decide if this is good enough for you

    2 people found this helpful
  • "I'm amazed at the level of ineptitude! "

    Reviewed Feb 07, 2018
    "I'm amazed at the level of ineptitude! "

    Reviewed Feb 07, 2018

    I'm amazed at the level of ineptitude! You would think that a financial company's employees would be a little more thorough in their level of work. And would want to double check things to make sure that what they're seeing is accurate. Especially when it comes to someone who is supposedly in the role of Director of Operations. You would be wrong!

    There was an error with my credit score. I was told by various representatives that they use Experian. Only to find out later from a manager that a different system/calculation is used.

    The representative who I had spoken with stated that "I didn't meet a certain profile". When I asked for further clarification on this, I was told I would need to contact Experian. After doing so, I later found out that a score of 650 or better was needed. I recently purchased a house, own a successful business and my score is well above 650.

    To make sure I wasn't going crazy, I had my score sent to me from Experian and they confirmed that my numbers were well above the needed threshold. I tried calling back, spoke with another representative, who then put through to the "Director of Operations". At least that's what he told me. When I provided my Experian score I was told that while they go by the Experian score, they have their own way of calculating scores, so it's not really my Experian score. When I asked for further clarification, he could not or would not provide any further detail. And when I asked if we could call Experian together to confirm what the real FICO number was, I was simply told no.

    The tone of the call was unpleasant. And their unwillingness to double check their information was extremely aggravating. There is obviously something off here and I would not trust them with a $50 loan let alone one for a significantly higher amount.

    1 person found this helpful
  • "This is the worst customer service with the shadiest billing practices"

    Reviewed Nov 17, 2017
    "This is the worst customer service with the shadiest billing practices"

    Reviewed Nov 17, 2017

    This is the worst customer service with the shadiest billing practices

    1 person found this helpful
  • "Shady practices "

    Reviewed Oct 27, 2017

    Their automatic billing service doesn’t even give you the balance on your remaining loan nor is there any history of payments. The customer service representative told me to use the original pay schedule on the contract. I don’t know of any financial institution that doesn’t show your current balance and interest accrued. Very shady.

    3 people found this helpful
  • "does anybody ever work here"

    Reviewed Mar 18, 2017

    very hard to get in touch with anybody. the phone number on my last statement says its disconnected. i dont get complete monthly statements. when i asked why i was told we dont do that. however a vp from the teaneck office guarenteed me i would start getting them...still havent.

    1 person found this helpful
Show All

Get a custom solar estimate for your home

Get a custom solar estimate for your home

Based on your roof and actual offers in your area

Try Solar Calculator

Sunlight Financial partners with solar companies to secure financing for solar systems, batteries and roofs. The loans Sunlight make available are homeowner-friendly, with a simple approval process. Partner with Sunlight or join Sunlight's experienced team to make your day a little brighter.

Get a custom solar estimate for your home

Get a custom solar estimate for your home

Based on your roof and actual offers in your area

Try Solar Calculator

Established

2014

Sunlight Financial Headquarters

234 W. 39th St.
New York, NY
10018 USA

Local Offices (2)

  • 101 N. Tryon St., Suit 1000
    Charlotte, NC 28246
  • 25 Taylor Street
    San Francisco, CA 94102

States served by Sunlight Financial

  • Alabama AL,
  • Alaska AK,
  • Arizona AZ,
  • Arkansas AR,
  • California CA,
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  • Connecticut CT,
  • Delaware DE,
  • District of Columbia DC,
  • Florida FL,
  • Georgia GA,
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  • Indiana IN,
  • Iowa IA,
  • Kansas KS,
  • Kentucky KY,
  • Louisiana LA,
  • Maine ME,
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