Solar finance
options.

We offer 12 months at 0% APR with a deposit of 25% to 50%, or 24–120 months at 9.9% APR with a deposit of at least £250 and no more than 50% of the installation price. Finance is provided by Zopa Bank Limited, subject to status, affordability and approval.

You can also pay without borrowing. Your proposal shows the system price and the payment arrangements available, so you can compare before deciding.

For 0% APR, the minimum deposit is 25% of the price. For 9.9% APR, the minimum is £250. Both options have a maximum deposit of 50%.

On a £10,000 installation, that means £2,500–£5,000 upfront for the interest-free plan, or £250–£5,000 for an interest-bearing plan. A larger deposit reduces the amount borrowed and the monthly repayments. With interest-bearing finance, it also reduces the interest paid over the same term.

Your payment depends on the installation price, deposit, term and APR. For example, a £10,000 system with a £2,500 deposit leaves £7,500 to repay. Over 12 months at 0% APR, that is £625 a month, with a total payable of £10,000 including the deposit.

This is an illustration, not a quote for a particular system. Use the calculator to explore different amounts. Zopa confirms the exact repayment schedule in your agreement, including any adjustment to the final payment.

You can discuss finance for solar panels, battery storage or a combined system. Tell us what you need when you start your quote, and we’ll prepare a proposal around your home.

Your proposal sets out the equipment and installation work included in the price. Check any optional extras before applying, so the amount you finance matches the system you have agreed to buy.

Getting an iHeat quote is separate from applying for credit. Our free design call and no-obligation proposal help you decide whether the system and price suit you.

Zopa checks eligibility using a soft search. If you choose to proceed, it carries out a hard search before the order is placed. A hard search is visible to other lenders and may affect your credit score. Read Zopa’s credit-check information.

Approval is not guaranteed. Zopa assesses your eligibility and whether repayments are affordable. Applicants need to be at least 18, resident in the UK with two years of address history, and have a valid UK debit card and mobile number.

Have your financial details ready and check the lender’s criteria during the application. If finance is declined, contact iHeat to discuss another payment method. A finance application alone does not confirm an installation booking.

A lower monthly payment does not mean a lower total cost. With 9.9% APR finance, spreading the same borrowing over longer means paying more interest overall.

Compare the cash price, deposit, amount borrowed and total payable alongside the monthly payment. The 12-month 0% plan adds no interest, but its shorter term means larger monthly repayments for the same borrowing.

We don’t promise that savings will cover your finance payments. Generation, electricity use, import and export tariffs, battery settings and the time of year all affect savings.

We’ll discuss your home and usage when preparing your system proposal. Treat any savings estimate separately from your loan repayments, and make sure the repayments remain affordable without relying on a particular saving.

Zopa says its retail finance customers can make extra payments or settle early at no extra cost. Check your agreement and ask Zopa for the amount needed to settle, rather than adding up the remaining instalments yourself.

Contact the lender about how an extra payment affects your remaining balance and schedule. See Zopa’s retail finance information.

For your system or installation, contact iHeat or use our report an issue page. Paying with finance does not change who you contact for installation support.

For your credit agreement or repayments, contact Zopa. If a payment may become difficult, get in touch promptly to discuss the support available. Your agreement confirms when payments begin and the repayment schedule. Get help from Zopa.