Lenders
GoodLeap Solar Loan Problems? What Florida Homeowners Can Do
· 5 min read
Part of the complete guide: Solar Loan Help in Florida: Every Lender & Your Rights →
GoodLeap (formerly Loanpal) is the largest residential solar lender in the country, and it financed a huge share of Florida's solar installs — including many from installers that have since gone bankrupt. If your problem is with the GoodLeap loan itself, you have options.
What we see with GoodLeap loans
- The payment jumped after 16–18 months — the assumed tax-credit prepayment that re-amortizes the loan.
- The loan funded the installer before the system ever worked.
- A large hidden “dealer fee” baked into the financed amount.
- Billing that continued after the installer disappeared.
GoodLeap holds the loan — and under the FTC Holder Rule, loan holders take consumer loans subject to the claims and defenses the buyer could raise against the seller, even when the installer is gone.
- Pull your loan agreement and look for the re-amortization / assumed prepayment language and any dealer fee.
- Document whether the system ever got Permission to Operate.
- Dispute in writing and file a CFPB complaint, then talk to a Florida attorney.
We document how your GoodLeap loan was sold versus how it works, and connect you with a vetted Florida attorney.
Get a Free Project ReviewGeneral information, not legal advice.
Frequently asked questions
Can I dispute a GoodLeap solar loan?
The FTC Holder Rule lets consumers raise an installer's fraud or non-performance against the company holding the loan, and TILA disclosure rules cover things like hidden dealer fees. Document everything, file a CFPB complaint, and consult a Florida attorney — they can tell you whether either applies to your loan.
Why did my GoodLeap payment go up?
Most GoodLeap solar loans assume you'll make a large prepayment (roughly the 30% tax credit) within ~18 months. If you don't, the loan re-amortizes and the monthly payment jumps — and many homeowners were never clearly told.
Think this is your situation?
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