Can I Get Solar Panels on Finance in Scotland?

What Finance Options Are Available for Solar in Scotland?

Interest-free credit up to £30,000, subject to status, is available to spread the cost of a solar PV or battery installation.

Interest-free credit up to £30,000, subject to status, is available for homeowners who would like to spread the cost of a solar PV or battery installation. This means you can have solar panels and a battery installed and pay for them over time rather than upfront. Our team can talk you through the options available once you have received your quotes. Any finance is arranged subject to eligibility and status checks. You can learn more about costs on our costs page.

How Does Interest-Free Credit Work?

Interest-free credit lets you spread the cost of your solar installation over time without paying interest, subject to status and eligibility checks.

If you choose to use finance, the process works alongside your quote. After your survey, we provide clear, comparable quotes for your solar PV and battery system. If you decide to proceed and would like to spread the cost, our team talks you through the available finance options. Interest-free credit up to £30,000 is available, subject to status. This means the amount you borrow does not accrue interest during the repayment period, subject to the terms of the agreement. Any finance is arranged subject to eligibility and status checks. We do not provide specific loan amounts or repayment figures before you have your quotes, because the right option depends on your system and circumstances.

What Is the VAT Rate on Solar Panels and Batteries?

Until 31 March 2027, residential solar panel and battery storage installations benefit from 0% VAT — no VAT is added to panels, batteries or installation labour.

Until 31 March 2027, residential solar panel and battery storage installations benefit from 0% VAT. This means no VAT is added to the cost of the panels, battery, and installation labour for qualifying domestic installations. Our quotes reflect this reduced rate. After 31 March 2027, the VAT rate is scheduled to return to 5% for residential solar. This 0% rate reduces the overall cost of going solar, whether you pay upfront or use finance. See our costs page for more detail on how VAT affects the price.

Can I Finance a Battery Alongside Solar Panels?

Yes. Finance can be used for solar PV, battery storage, or both together.

If you are having solar panels and a battery installed at the same time, finance can cover the full system cost. If you already have solar panels and want to add a battery, finance can also be used for the battery retrofit. Our survey assesses your current setup and advises on compatible battery options. Read our guide on adding a battery to existing solar panels for more information. Interest-free credit up to £30,000, subject to status, applies to both solar PV and battery storage installations.

What Should I Consider Before Choosing Finance?

Consider your budget, the total system cost, the repayment term, and whether you prefer to pay upfront or spread the cost over time.

Before choosing finance, it helps to understand the total cost of your solar system, including the 0% VAT that applies until 31 March 2027. Think about your monthly budget and how long you are comfortable spreading payments over. Finance is not compulsory — you can also pay upfront if you prefer. Our team provides clear information about both options after your survey, so you can make an informed decision with no pressure. There is no obligation to proceed at any stage. See our how it works page for the full process from enquiry to installation.

How Do I Get Started?

Fill in our short quote form or call us to arrange a no-obligation survey, and we will provide clear, comparable quotes with finance information.

The first step is to arrange a survey. Fill in our quote form with your name, phone, email, postcode and what you are interested in, or call us on 0141 230 0198. We arrange a no-obligation survey of your home, provide clear, comparable quotes, and talk you through the finance options available. You can also read our FAQs for more information.

For more information, visit More answers from Scottish Energy Efficiency.