CASH & SOLAR PPA
Clear ways to pay for home solar
Pay cash and own your system, or choose a solar PPA—including $0 upfront for qualifying homes, with a 0% yearly rate or a 3.5% yearly increase.
PICK A PATH
Cash vs solar PPA
There is no universal “best” way to pay. It depends on cash on hand, how long you will stay in the home, whether you want to own the equipment, and whether your home qualifies for a PPA.
Aurica explains each path with full transparency, then shows numbers for your address—not a viral calculator.
| Cash | Solar PPA | |
|---|---|---|
| Ownership | You own the system | System owned by the PPA provider |
| Upfront cost | Highest cash outlay | Qualifying offers include $0 upfront |
| Monthly picture | Utility bill drops; no solar payment | Payment for solar kWh produced |
| Rate changes | No solar rate to change; utility rates still move | 0% keeps contracted $/kWh flat; ~3.5% raises it yearly |
| Best if… | You want ownership and can pay upfront | You want production-based payments and low upfront |
Illustrative only. Eligibility, PPA rates, and utility rules vary. Final terms are in your signed agreements. Savings are not guaranteed.
0% VS 3.5% PPA
What the escalator means
On a solar PPA, you pay for kilowatt-hours the system produces under the contract. A 0% escalator keeps that contracted per-kWh rate fixed for the term. A ~3.5% escalator raises the rate about 3.5% each year.
| Illustrative example | Year 1 | Year 5 (approx.) |
|---|---|---|
| 0% escalator @ $0.15/kWh | $0.15 | $0.15 |
| 3.5% escalator starting @ $0.15/kWh | $0.15 | about $0.17 |
Illustrative only—not a quote. Actual starting rates, escalators, and bill impacts vary. Utility charges may remain. This example is rounded for teaching.
$0 UPFRONT
What it does—and does not—mean
“$0 upfront” on a qualifying PPA means you may not write a large check to start. You still pay for solar electricity under the agreement. It is not free solar. Credit, site conditions, and product availability all matter.
Have a PPA offer in front of you? Ask us to walk through it with you.
WHO EACH PATH FITS
A simple guide
Cash: you want ownership and can invest upfront. PPA: you prefer paying for production, possibly with low upfront, and are comfortable with third-party ownership rules when you sell the home.
Next step: contact Aurica or read how it works.
Does a PPA require a credit check?
It’s a soft credit check, so it won’t affect your credit score.
Can I switch from PPA to ownership later?
Sometimes buyout options exist—only as written in your contract.
Are savings guaranteed?
No. Production, usage, and utility rates all move. We avoid hype and show assumptions.
Ready to compare numbers for your home?
We’ll walk through cash and a solar PPA (0% or 3.5% yearly increase) side by side.