Ways to pay for a system, and what they actually cost.
Every figure on this page is a lender's published term or plain arithmetic on the equipment price. Where we do not have a number, the row is not there.
What's available today.
Two routes. One happens at checkout with terms we can quote exactly; the other is a lender you apply to before you order.
Shop Pay Installments
Rates from 0–36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and may not be available in all states. Options depend on your purchase amount, and a down payment may be required. The plans you are offered are set by Affirm, not by us, and are shown before you commit. State notices to consumers: affirm.com/licenses.
Flex Buy
Flex Buy matches you with a lender from its network. Your rate, term and any fees are set by that lender and disclosed to you before you accept — they are not ours to quote. Pre-qualifying does not affect your credit score or commit you to anything.
Check your options with Flex BuyWhat a system costs per month.
Standard amortisation on the equipment price. Move the rate to see how much it matters — over five years the difference between 0% and 20% on a large system is most of the price of a second one.
Estimates only, for comparison. Not an offer of credit, not a quote, and not a rate you have been approved for. Your actual rate, term, down payment and eligibility are determined by the lender based on your credit and are disclosed to you before you accept. Figures cover equipment only and exclude taxes, shipping, installation, permits and any electrical work. Financing is subject to approval and is not available in every state.
Consumer credit and business finance are not the same product.
They carry different rules, different paperwork and different tax treatment. Mixing them on one page confuses buyers, so this page keeps them apart.
Homeowners
The monthly payment is the number that decides it.
- Shop Pay Installments at checkout — no separate application
- Your rate is shown before you commit, never after
- Systems up to $30,000 fit inside the limit; larger ones need the other route
- Pumps and pool kits sit in the range where interest-free options are most often offered
Farms & businesses
Cash-flow timing and tax treatment matter more than the monthly figure.
- USDA REAP guaranteed loans remain open — grants are currently paused
- Equipment bought for business use may be depreciable
- The commercial credit under Section 48E is still on the books, with conditions
- Ask your accountant before you ask a lender — our incentives page explains what is and isn't there in 2026
Installers & dealers
You're buying to resell, not to own. That is a different conversation.
- Dealer terms are handled separately from consumer credit
- Project quotes on request, with lead times you can pass on
- Start with the partner page, or talk to us
Four steps, no surprises.
Size the system first
Work out what you actually need before you work out how to pay for it. Financing a system that's too small is the expensive mistake. The finder does this in five questions.
Check your rate
Shop Pay Installments shows your options at checkout. Flex Buy uses a pre-qualification form before you order. Neither commits you to anything.
Read the terms you're offered
The APR you get may not be the lowest advertised. Look at total cost over the term, not just the monthly payment — that's where a long term hides its cost.
Order, and we ship
The lender pays us; you pay them on the schedule you agreed. Warranty and support come from us either way.