10/29/2026
☀️ Lease, loan, or cash in 2026—which makes sense?
Cash or loan: You own the system from day one, giving you the benefits of direct ownership. However, the federal Residential Clean Energy Credit is no longer available for qualifying expenditures made after December 31, 2025. But there’s another option—a way to potentially capture the value of available tax incentives while still creating a path to system ownership.
Lease or PPA: A third party owns the system and may be eligible for available business tax incentives. Be sure to understand the starting rate, term, buyout or transfer options, and any annual escalator.
There’s no universal winner. The right choice depends on your electric bill, finances, goals, and how long you plan to stay in your home.
New Day Solar can help you compare all of the options and the numbers to find the path that works best for you.