Common Complaints
I Was Promised 'Free Solar' — Now I Have a 25-Year Loan
· 4 min read
Part of the complete guide: Failed Solar in Florida: The Complete Homeowner's Guide →
It's one of the oldest hooks in the door-to-door solar playbook: 'free solar,' or a 'government program' that gives you panels at no cost. Then the paperwork shows a 20- or 25-year loan. If that's your story, you're far from alone.
How the 'free solar' pitch works
- 'No money down' gets framed as 'free' — but financing isn't free; it's a long-term loan.
- You're told the bill savings will 'cover' the payment, so it costs you 'nothing' — except the system underperforms or never turns on.
- The tax credit gets pitched as a guaranteed check that makes it all free.
Selling a financed system as 'free' can be a deceptive and unfair trade practice under Florida's FDUTPA — and the lender can be on the hook for it under the FTC Holder Rule.
We document what you were promised versus what you got, and connect you with a vetted Florida attorney.
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General information, not legal advice.
Frequently asked questions
Is 'free solar' a scam?
'Free solar' is almost always a financed system sold with a misleading pitch. 'No money down' is not the same as free. If you were told it would cost you nothing and ended up with a loan you can't afford, that may be a deceptive practice under Florida law.
What can I do if I was lied to about free solar?
Save any texts, emails, or materials that said 'free,' and document what actually happened. That's the record a Florida attorney needs to evaluate deceptive-practices and Holder Rule options.
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