Hidden Dealer Fees in Solar Financing

What a solar dealer fee is

A dealer fee is a financing-related charge that can be built into the project price when a solar company offers a low advertised interest rate. The homeowner may be shown one monthly payment, but the amount financed can reflect costs that are not obvious from the sales pitch alone.

Dealer fees matter because the homeowner may believe the system costs one amount while the loan documents finance a larger number over a long term. The review compares the cash-style project value, sales proposal, loan agreement, payment schedule, and any communications about interest rates or monthly savings.

• Cash price or equipment/install value
• Financed principal shown on loan documents
• Advertised interest rate and monthly payment
• Loan term, re-amortization, and total payment obligation

Why it can affect cancellation or dispute strategy

If the sales presentation emphasized a low rate, low payment, or tax-credit paydown without clearly explaining how the price was increased to obtain that financing structure, the facts may matter. The issue is document-specific: the contract, financing disclosures, proposal, and salesperson communications all need to be reviewed together.

Cancel My Solar does not assume every fee is unlawful or every loan can be cancelled. It helps organize the facts so Covar Law Group can evaluate the transaction based on evidence, timing, jurisdiction, and applicable law.

• Was a cash price disclosed?
• Did the sales pitch compare cash vs financed pricing?
• Was a dealer fee or financing cost hidden inside the amount financed?
• Did the homeowner understand the long-term obligation?

Documents that help

The most useful documents are the solar proposal, purchase contract, loan agreement, payment schedule, Truth in Lending disclosures if provided, text messages, emails, recorded call information, and any quote showing a different cash or financed price.

• Solar contract or work order
• Loan or lease agreement
• Sales proposal and savings estimate
• Screenshots, texts, emails, and payment-change notices