Affordable Energy Options

Solar can help you lower your electric bill, save money, add value to your home, protect yourself from escalating electricity costs, and offers a switch to clean, renewable energy. By financing with a low interest solar loan, you can save money from day one. Review the information below and contact us to figure out which option works best for you and your family.
Solar Loans

TFS has partnered with Clean Energy Credit Union (CECU) and Tucson Old Pueblo Credit Union (TOPCU) to offer solar loans designed to help you start saving from day one.

These unique solar loan programs let you go solar with little or no money down, while benefiting from an immediate savings on your electric bill. These financing options give an overall better return on investment than a lease without the upfront cost of a cash purchase.

  • Multiple term options for repayment, with a +25 year lifespan of solar

  • Maintenance is covered under 10 year TFS workmanship warranty

  • Take advantage of tax credits to reduce price of system

  • No prepayment penalty

  • Ease of sale: solar is considered an asset to house, reflected at resale and property evaluation
Loan vs. Lease

Loans, in general, will provide a lower cost of financing than leases (unless the homeowner can't take advantage of tax credits, in which case a lease can offer some advantages). Unfortunately, because solar export rates (the price the utility pays for extra solar production sent back to the grid) are only guaranteed for 10 years, we don't recommend that customers get into fixed financing contracts that extend significantly beyond that 10 year period. With most leases having 20 year terms, we advise customers to look closely to ensure that they will still have savings in years 10 through 20.

An additional benefit of loans is that they offer customers an easier option for early pay off or transfer of ownership in the case of a home sale.

Cash Purchase

Purchase your solar energy system up front and reap the rewards of free energy generation for the lifetime of the installation.

Cash purchase is always available to customers interested in the option. For homeowners equipped to pay for their system up front, cash purchase has the highest return on investment.



Incentives available for residential solar energy systems can cover over 40% of system costs, significantly reducing the payback period.

The federal solar tax credit is a 30% credit off income taxes for solar energy systems installed before 12/31/2019, 26% for systems installed by 12/31/2020, and 22% for systems installed by 12/31/2021. For customers who lease their system, the federal tax credit is taken by the leasing company.

The Arizona state income tax credit is 25% and is capped at $1,000 per residence. This credit must be shared with other qualifying solar devices. There is also a sales tax waiver for solar energy systems, so you pay no state sales tax on your system.

Any remaining portion of your federal or state tax credits may be carried forward for up to five years if your liability is not high enough for full use in the first year.

Please scroll to the bottom of this page for supplemental links and information about incentives.


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Resources for Incentives
Federal Tax Credit:
IRS form 5695

Property Tax Increase Exemption:
AZ State Property Tax Law

State Tax Credit:
State Q&A
State Form

State HOA Law:
Arizona State law A.R.S. § 33-439 protects private property solar access by nullifying Home Owners Association covenants restricting solar energy systems. See DSIRE website.