PPA vs Ownership | Merrimack Solar in Merrimack, NH
Finding the Right Solar Payment Path
Transitioning to solar energy is a financial decision as much as an environmental one. At Merrimack Solar, we understand that every NH & MA homeowner’s situation is unique. Our mission is to help you choose the path—whether that’s a Power Purchase Agreement (PPA)/lease or full ownership—that aligns with your budget, lifestyle, and long-term goals. We’re here to provide clarity, explain the trade-offs, and guide you toward a solution that brings lasting value.
What is a PPA or Lease?
A PPA or solar lease lets you go solar with minimal upfront investment. Instead of purchasing the system outright, you agree to buy the electricity it produces at a set rate (PPA) or pay a fixed monthly lease fee. This approach often offers
- Lower Upfront Costs: Start saving on day one without a large down payment.
- Predictable Payments: Enjoy stable monthly costs with minimal surprises.
- Hands-Off Maintenance: The system provider typically handles repairs and upkeep, reducing your responsibilities.
Why Consider Solar Ownership?
Owning your solar system can yield higher long-term savings. While you’ll pay more upfront or finance the purchase, you’ll retain full access to tax credits, incentives, and all the energy your panels produce
Maximize Incentives
Claim federal tax credits, state rebates, and utility programs directly.
Long-Term ROI
Once paid off, your system generates essentially free electricity, boosting lifetime returns.
Roof Protection & Value
You own the system, free from third-party agreements, and can manage upgrades or changes as you see fit.
Side-by-Side Comparison
Upfront Costs
PPA/lease = low upfront; Ownership = higher initial investment.
Monthly Payments
PPA/lease = predictable payments over time; Ownership = variable financing or none (after payoff).
Incentives & Credits
PPA/lease = limited direct access to credits; Ownership = direct access to tax credits and rebates.
Long-Term Savings
PPA/lease = good savings without large initial cost; Ownership = potentially greater savings over the system’s life.
Flexibility & Control
PPA/lease = less responsibility but less control; Ownership = full autonomy over your system.
Financing Options & Local Incentives
Merrimack Solar partners with trusted lenders and can help you explore various financing approaches. We’ll explain how federal tax credits and NH & MA incentives apply to different options. Even if you choose a PPA or lease, you may still benefit from lower energy costs. Our team’s goal is to ensure you understand all available programs so you can make an informed choice.
Customer Experiences with Both Paths
“We chose a PPA to start saving immediately without a big investment. The stable monthly cost fits our budget perfectly.”
– Nora K
“Owning our system meant we got all the credits and a bigger payoff in the long run. It just made sense since we plan to stay here for decades.”
– Martin L
“Merrimack Solar explained both options clearly. We picked a lease because it was simple and stress-free, and we’re loving the steady savings!”
– Priya R
Frequently Asked Questions
Is a PPA/lease better if I might move soon?
Yes, if you’re not settled long-term, a PPA/lease can offer flexibility without a large upfront investment.
How do tax credits work with ownership?
When you own your system, you claim federal tax credits and state rebates directly, often leading to quicker payback.
Can I switch from a PPA/lease to ownership later?
It depends on your contract terms. We can discuss options for transitioning if you decide to own down the road.
Ready to Choose Your Solar Path?
Whether you prefer steady monthly payments with a PPA/lease or want the long-term rewards of ownership, Merrimack Solar is here to help. Contact us for a personalized consultation, explore available incentives, and find the financing route that aligns with your future plans. Let’s make your solar journey as clear and rewarding as possible.
