How does interest-free credit work?
Interest-free credit means you can spread the cost of your solar and battery system over an agreed period without paying interest on the balance. Instead of paying the full amount upfront, you make monthly payments. The exact terms — including the length of the repayment period and the monthly amount — depend on the system cost, the finance arrangement, and your individual circumstances.
The phrase "subject to status" means that the availability of credit depends on a credit check and affordability assessment. Not everyone will qualify, and the amount you can borrow depends on your financial situation. This is assessed as part of the finance application process, which happens after your survey if you decide you are interested.
What can I finance?
Interest-free credit up to £30,000 is available for solar panels, battery storage, or a combined solar and battery system. You can request a quote for whichever option suits your needs. If you already have solar panels and want to add a battery, you can also finance battery storage only. The survey helps identify the right system for your home, and the finance options are discussed alongside your written quote.
Does 0% VAT apply if I use finance?
Yes. The 0% VAT relief on the supply and installation of qualifying solar panels and battery storage runs until 31 March 2027 and applies regardless of how you pay. Whether you pay upfront or use interest-free credit, the equipment and installation are at 0% VAT. This means your quoted price does not have 20% VAT added on top.
What is the process for getting finance?
The process starts with a no-obligation survey. Arrange a survey using the form on this page or by calling 0141 230 0198. An installer visits your home, assesses your roof and usage, and provides a written quote. If you are interested in spreading the cost, finance options are discussed alongside the quote. There is no obligation to proceed with finance or the installation at any stage. See our How It Works page for the full process from enquiry to installation.
How much could I borrow?
Interest-free credit is available up to £30,000, subject to status. The amount you can borrow depends on your individual financial circumstances and the cost of your system. For context, a typical 4 kW solar plus 5 kWh battery system costs between £8,000 and £11,500 installed at 0% VAT, and a 6 kW solar plus 10 kWh battery system costs between £12,500 and £18,500. See our cost guide for indicative price ranges.
For more detail on finance options, see our sister site Solar Finance Scotland. For more answers to common questions, visit Scottish Energy Efficiency questions.
Frequently asked questions
What does subject to status mean?
Subject to status means the availability of interest-free credit depends on a credit check and affordability assessment. Not everyone will qualify, and the amount you can borrow depends on your individual financial circumstances.
Is there a deposit?
Deposit requirements depend on the finance arrangement and your individual circumstances. This is discussed after your survey when the finance options are reviewed alongside your quote.
Can I get finance for a battery only?
Yes. Interest-free credit up to £30,000 is available for solar panels, battery storage, or a combined system. You can request a quote for whichever option suits your needs.
Does 0% VAT apply to financed systems?
Yes. 0% VAT on the supply and installation of qualifying solar panels and battery storage runs until 31 March 2027, regardless of whether you pay upfront or use finance. The VAT relief applies to the equipment and installation, not the payment method.
How do I apply for finance?
Arrange a no-obligation survey first. After your survey you receive a written quote, and finance options are discussed if you are interested. There is no obligation to proceed with finance or the installation.
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Last updated: October 2026 · Reviewed by the Scottish Energy Efficiency team