Cancel a Deceptive Solar Loan in California
We review your solar loan, your sales paperwork, and your lender, whether it's GoodLeap, GreenSky, Mosaic, or Dividend Finance, then handle the fight for you. Free, no-obligation case review.
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SOLAR LOAN CANCELLATION
Signed a Solar Loan You Didn't Fully Understand?
You were promised lower bills. Instead, you're making a monthly loan payment, still paying the utility, and maybe only found out about the lien on your home when you tried to sell or refinance. If that sounds familiar, you're not alone, and you're not out of options.
California homeowners have real leverage when a solar loan was sold through misleading savings claims, rushed signatures, or undisclosed fees. California Solar Exit has helped more than 500 homeowners challenge deceptive solar contracts. We review your loan, your sales paperwork, and your lender, tell you where you stand in plain English, and handle every call and letter once you retain us.
How Do I Know If My Solar Loan Was Sold Deceptively?
Recognize any of these? Each one may give you grounds to challenge your loan under California consumer protection law.
Your savings never showed up - You were promised your electric bill would drop or disappear, but you're paying a loan payment and a utility bill.
You signed in seconds on a tablet - The loan was "signed" on a tablet or phone, often with little time to read it, which is the issue in Jones v. Solgen Construction, where a California appeals court declined to compel arbitration.
The rep clicked or signed for you - The sales rep entered information, checked boxes, or e-signed on your behalf.
The loan cost more than the quote - Hidden dealer fees were built into your balance, so you're financing more than the price you were told.
Promises that aren't in the contract - The rep verbally promised the federal solar Investment Tax Credit, payment holidays, or rates that aren't in the paperwork.
A lien you were never told about -
A UCC-1 or PACE assessment surfaced when you tried to sell or refinance.
What Laws Protect California Homeowners With a Solar Loan?
California homeowners with a solar loan may be protected by the Consumers Legal Remedies Act (Civil Code § 1750 et seq.), the Unfair Competition Law, the FTC Holder Rule (16 C.F.R. Part 433), and the Truth in Lending Act.
CLRA Protections
California's Consumer Legal Remedies Act prohibits deceptive sales practices, including false savings claims and misrepresented terms. If your solar loan was sold that way, you may be entitled to remedies.
FTC Holder Rule
When a loan contract includes the required Holder Rule notice, you may be able to raise claims against the lender that you could raise against the solar seller, typically up to what you've paid.
SB 784 Protections
California's SB 784 adds consumer protections for solar buyers. Depending on when and how your contract was sold, it may strengthen your position against the installer or lender.
Also worth checking: many in-home solar sales come with a three-business-day right to cancel, and if you were never given the required written notice, that window may still be open. Whether any of this applies depends on your contract and how it was sold, which is exactly what our free review looks at.
Not Sure If Your Solar Loan Can Be Challenged?
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What Do California Homeowners Ask About Solar Loan Cancellation?
Straight answers to what California homeowners ask most about canceling a deceptive solar loan. Every contract is different, so this is general information, not legal advice.
Can I cancel a GoodLeap or GreenSky solar loan in California?
In many cases, yes. If a GoodLeap, GreenSky, or other solar loan was sold through misleading savings claims, hidden dealer fees, or improper signatures, California consumer protection law may give you grounds to challenge it. Whether you qualify depends on your loan documents and how the sale happened, which our free review examines.
Can I get my solar loan payments back?
Sometimes. Depending on the facts, we pursue refunds, credits, or settlements for payments already made, and the Consumers Legal Remedies Act allows actual damages in qualifying cases. We can't promise any outcome until we've reviewed your contract and sales history, so a free case review is the place to start.
Does the Consumers Legal Remedies Act still apply if I signed years ago?
Possibly. The Consumers Legal Remedies Act generally allows three years to sue from the deceptive act, and some claims may run from when you discovered the problem. Other claims have different deadlines, and waiting can narrow your options, so reach out as soon as you suspect something is wrong.
Can a lender force arbitration if my solar loan was signed in seconds?
Not always. In Jones v. Solgen Construction, a California appeals court refused to force arbitration after a GoodLeap solar loan was "signed" in 38 seconds. Courts can look at whether you genuinely agreed to the terms, so how the loan was signed matters. Outcomes depend on the facts of each case. Read our breakdown of that case.
Which Solar Lenders Do We Handle?
We handle disputes involving the major residential solar lenders, including GoodLeap, GreenSky, Mosaic, Dividend Finance, and Service Finance, plus PACE assessment programs. Lenders are licensed and supervised in California by the Department of Financial Protection and Innovation, and installers by the Contractors State License Board.
What Happens to the Lien on My Home?
A solar loan may leave a UCC-1 fixture filing recorded with your county recorder, such as the Los Angeles County Registrar-Recorder/County Clerk or the Orange County Clerk-Recorder. PACE-financed systems work differently: the assessment is collected through your property tax bill. Either can surface during a sale or refinance, so we review your title situation first.
Where in California Do We Help?
We help homeowners statewide, from Los Angeles County, Orange County, and San Diego County to the Inland Empire, Coachella Valley, Sacramento Valley, Central Valley, and the San Francisco Bay Area, with remote consultations and an office in Downtown Los Angeles. Whether your power comes from Southern California Edison, San Diego Gas & Electric, or Pacific Gas and Electric, we compare your savings promises against your actual bills.
What is the FTC Holder Rule, and how does it apply to my solar loan?
The FTC Holder Rule (16 C.F.R. Part 433) requires certain consumer credit contracts to carry a notice that any holder is subject to claims and defenses you could raise against the seller. That may let you assert claims against your lender, generally limited to what you've paid. It depends on the notice in your loan documents.
What if my installer, like SunPower or Sunnova, went out of business?
If your installer, such as SunPower or Sunnova, closed or entered bankruptcy, the lender that financed your system may still hold your loan, and your options against that lender may remain. See our guide to solar company bankruptcies in California for what changes when an installer collapses.
Should I stop making payments on my solar loan?
We can't advise for or against paying any financial obligation. Stopping payments without a plan may lead to late fees, reports to Equifax, Experian, and TransUnion, and collection activity. Get a case review before changing anything. If you're in financial hardship, your lender may also offer hardship programs worth asking about.
Does a solar loan put a UCC-1 lien or PACE assessment on my home?
It can. A solar loan may leave a UCC-1 fixture filing recorded against your property with the county recorder. PACE-financed systems add an assessment collected through your property tax bill. Either can surface when you sell or refinance, so we review your title situation as part of every case.
What documents should I gather before a case review?
Gather your loan agreement, the sales proposal or contract, texts or emails from the sales rep, utility bills from before and after installation (Southern California Edison, San Diego Gas & Electric, or Pacific Gas and Electric), system production reports, and recent lender statements. Missing something? Send what you have and we'll tell you what else would help.
How long does it take, and what does it cost?
Some cases resolve in weeks through direct negotiation, while others take several months, especially when a lender is involved. The review is free and no-obligation, and we explain our fees in plain English before you commit. After reviewing your contract, we give you a realistic timeline for your situation.
Still Have a Question About Your Solar Loan?
Every contract is different. Call us at (213) 579-5156 or send your details, and we'll tell you where you stand.
Free, no obligation.
