Financing Options

Pay less than your
current power bill.

Four ways to go solar with Stellar Upgrades. Every option puts money back in your pocket from month one.

★★★★★5.0 on Google · 500+ installs since 2018

★★★★★ 5.0 on Google

500+ Installs

Master Electrician Certified

Licensed & Insured

Choose Your Path

Four ways to own your energy.

Financeit

$0 Down · 6.99% Fixed · Up to 20 Years

The most popular option. $0 down, fixed monthly payments that are typically lower than the electricity bill they replace. Apply online in 5 minutes with an instant decision. No home equity required.

✓$0 down — nothing upfront

✓6.99% fixed rate for the full term

✓Terms up to 20 years

✓5-minute online application

✓Instant approval for most homeowners

✓No prepayment penalties

Apply on Financeit →

🏢

CEIP

Property Tax Financing · No Credit Check

The Clean Energy Improvement Program lets you finance solar through your property tax bill. No credit check required. The balance transfers automatically if you sell your home. Available in Edmonton, Leduc, Spruce Grove, and participating Alberta municipalities.

✓No credit check required

✓Payments on your property tax bill

✓Transfers with home if you sell

✓Available in Edmonton & select municipalities

Ask About CEIP →

💰

Cash Purchase

10% Discount · Best Total Value

Pay upfront and save 10% on total system cost. No interest, no monthly payments. Typical payback in 7–8 years, then 20+ years of free electricity. The best return on investment of any option.

✓10% off total system cost

✓7–8 year typical payback

✓20+ years of free electricity after payback

✓No interest, no monthly payments

✓Best total ROI of any option

Calculate My Savings →

🏠

Mortgage Roll-In

Lowest Rate · At Your Next Renewal

Add solar to your mortgage at your next renewal and finance at your mortgage rate — typically the lowest rate available. The added value of solar also increases your home's resale value, often by more than the system cost.

✓Finance at your mortgage rate

✓Typically lowest interest available

✓Solar increases home value

✓Roll in at renewal — no refinancing needed

Learn More →

5.0 ★★★★★ on Google

Gurdil S.★★★★★

The service was excellent, and everything was professional. The quality was good at a reasonable price. My house looks more advanced, and it really makes a difference in appearance.

Amrit S.★★★★★

I highly recommend Stellar Upgrades to anyone considering going solar. Their commitment to quality, customer service, and transparency truly sets them apart.

Jashandeep S.★★★★★

I had solar panels installed on my home last month by Stellar Upgrades and I'm honestly impressed with how everything turned out. PJ took the time to walk us through everything.

Emma★★★★★

What I appreciated most was their transparent pricing and honest advice. They didn't try to sell me a generic package; instead, they provided a personalized design based on my actual utility bills.

David★★★★★

Jordan and his team are professionals, paying very detailed attention to our system. We needed a panel upgraded and they did it at no additional cost while they were already very budget-friendly.

Japdeep★★★★★

Hey if you are going solar I highly recommend this company as it's not here to just take my money and actually help me save money on my bills.

James★★★★★

We installed our solar system almost two years ago, and it's performing exactly the same as day one. The company actually called us after two years just to check if everything was still working properly.

Kelsey B.★★★★★

Professional, honest and local. Would highly recommend Jordan and his team to anyone looking for solar panels or energy upgrades.

Patt G.★★★★★

So thrilled with this company! Our system was installed over a year ago and it was the best decision we ever made. We used to pay $600–$800 in bills, but now we pay nothing to the utility company!

Harry S.★★★★★

The entire process was completed in a timely and efficient manner. Pawan was a pleasure to work with — he took the time to thoroughly explain the product and never made me feel rushed.

Gurdil S.★★★★★

The service was excellent, and everything was professional. The quality was good at a reasonable price. My house looks more advanced, and it really makes a difference in appearance.

Amrit S.★★★★★

I highly recommend Stellar Upgrades to anyone considering going solar. Their commitment to quality, customer service, and transparency truly sets them apart.

Jashandeep S.★★★★★

I had solar panels installed on my home last month by Stellar Upgrades and I'm honestly impressed with how everything turned out. PJ took the time to walk us through everything.

Emma★★★★★

What I appreciated most was their transparent pricing and honest advice. They didn't try to sell me a generic package; instead, they provided a personalized design based on my actual utility bills.

David★★★★★

Jordan and his team are professionals, paying very detailed attention to our system. We needed a panel upgraded and they did it at no additional cost while they were already very budget-friendly.

Japdeep★★★★★

Hey if you are going solar I highly recommend this company as it's not here to just take my money and actually help me save money on my bills.

James★★★★★

Kelsey B.★★★★★

Professional, honest and local. Would highly recommend Jordan and his team to anyone looking for solar panels or energy upgrades.

Patt G.★★★★★

So thrilled with this company! Our system was installed over a year ago and it was the best decision we ever made. We used to pay $600–$800 in bills, but now we pay nothing to the utility company!

Harry S.★★★★★

The entire process was completed in a timely and efficient manner. Pawan was a pleasure to work with — he took the time to thoroughly explain the product and never made me feel rushed.

Side by Side

Compare at a glance.

Feature	Financeit	CEIP	Cash	Mortgage
Upfront Cost	$0	$0	Full system cost	$0 (at renewal)
Interest Rate	6.99% fixed	Varies by municipality	0% — no interest	Your mortgage rate
Term	Up to 20 years	Up to 25 years	N/A	Mortgage term
Credit Check	Yes (soft pull)	No	No	Yes (mortgage)
Transfers If You Sell	No — pay balance	Yes — automatic	N/A	No — pay balance
Best For	Most homeowners	No credit / property tax pref.	Maximum savings	Lowest rate seekers
Approval Speed	5 minutes	Municipality dependent	Instant	At renewal

How Financeit Works

Solar in four steps. Five minutes to apply.

📝

1. Apply Online

5-minute application on Financeit. Instant decision for most applicants.

✅

2. Get Approved

No home equity required. Soft credit pull. Know your rate and terms immediately.

⚡

3. We Install

Master Electrician on site. 1–2 day install. Permits handled.

💰

4. Save Immediately

Monthly payment replaces your power bill — usually for less.

Common Questions

Financing questions, answered.

Monthly payments depend on system size and term length. For a typical Edmonton home with a $200/month electricity bill, the Financeit payment is usually $150–$190/month at 6.99% over 20 years — less than the electricity bill it replaces. After the loan term ends, your electricity is free for the remaining 10+ years of panel warranty life. Use our savings calculator for exact numbers based on your bill.

No. Financeit offers $0 down financing. CEIP also requires no upfront payment. The mortgage roll-in option adds the cost to your existing mortgage at renewal with no additional down payment. Only the cash purchase option requires payment upfront, in exchange for a 10% discount on total system cost.

CEIP stands for Clean Energy Improvement Program. It allows homeowners in participating Alberta municipalities — including Edmonton, Leduc, and Spruce Grove — to finance solar through their property tax bill. No credit check is required, and the financing transfers automatically to the new owner if you sell your home. Contact us or your municipality for current rates and terms.

Yes. Financeit has no prepayment penalties. You can pay off the balance at any time without extra fees. Many homeowners choose to make lump-sum payments when they have extra funds, reducing their total interest cost. CEIP early payoff terms vary by municipality.

Yes. Studies consistently show that solar panels increase home resale value. A solar system that eliminates a $200/month electricity bill adds significant value to the property because the buyer inherits $0 electricity costs. This is especially true in Alberta's deregulated market where electricity rates continue to rise. The increase in home value often exceeds the remaining loan balance, making solar a net-positive investment even if you sell before the loan is paid off.

With Financeit or mortgage roll-in, you would pay off the remaining balance at closing — similar to any other loan. Since solar typically increases home value by more than the remaining balance, this is usually a net gain. With CEIP, the financing transfers automatically to the new owner as part of the property tax, so there is nothing to pay off at sale.

Let's find the right
option for you.

Answer a few quick questions. We'll match you with the best financing and follow up within 24 hours.

Tell us about your situation

No spam. No obligation. PJ will follow up personally within 24 hours.

✓ We're on it.

PJ will review your details and reach out within 24 hours with the best financing option for your situation.

Ready to stop paying
the utility company?

Free 15-minute assessment. We'll match you with the right financing option.

Apply on Financeit → (780) 200-5265 →

Pay less than yourcurrent power bill.