Clean Energy Financing: Affordable Solar Panel Financing Across Nova Scotia

Access low-interest financing for solar panel installations through participating Nova Scotia municipalities. Property-based solar financing with no credit checks and rates as low as 2%. Also available for heat pumps and other energy upgrades.

Program Benefits
2-4%
Interest Rates
10-15
Year Terms

$0
Credit Checks
Property
Based Financing

Your Solar Financing Partner

As Nova Scotia's #1 solar company, Watts Up Solar specializes in Clean Energy Financing solar installations across the province. We handle all paperwork, permits, and coordination with participating municipalities to make your solar project seamless. Every solar system includes premium Enphase microinverters and our 10-year labour warranty.

Clean Energy Financing programs let you combine municipal solar financing with other incentives, covering 100% of your solar installation costs. With transparent pricing and exceptional interest rates, going solar has never been more affordable.

Solar Financing Available in These Municipalities

Clean Energy Financing is available through participating municipalities across Nova Scotia. Each program offers low-interest financing for solar panel installations, with additional options for heat pumps and energy efficiency upgrades.

Town of Amherst
2%+
Interest Rate
10
Year Term
  • Solar Financing: $15,000-$25,000*
  • Credit Check: Required ($30/owner)
  • Rate: Municipality cost + 2%
  • Program Fee: $400

*$15,000 for homes ≤$150,000 assessed value; up to $25,000 or 10% of assessed value for higher-value homes

Town of Bridgewater
1%
Interest Rate
15
Year Term
  • Solar Financing: Up to $40,000
  • Credit Check: Not required
  • Rate: 1% fixed
  • Program Fee: $400
Town of New Glasgow
2%+
Interest Rate
10-15
Year Term
  • Solar Financing: Up to $25,000
  • Credit Check: Not required
  • Rate: Municipality cost + 2%
  • Program Fee: $400
District of Lunenburg
2%+
Interest Rate
10-15
Year Term
  • Solar Financing: Up to $25,000
  • Transfer: Non-transferable on sale
  • Rate: Municipality cost + 2%
  • Program Fee: $400

*Must be paid off in full if property is sold

District of Digby
2%+
Interest Rate
10-15
Year Term
  • Solar Financing: Up to $25,000
  • Credit Check: Not required
  • Rate: Municipality cost + 2%
  • Program Fee: $400
District of Barrington
2%+
Interest Rate
10-15
Year Term
  • Solar Financing: Up to $25,000
  • Credit Check: Not required
  • Rate: Municipality cost + 2%
  • Program Fee: $400
District of Yarmouth
2%+
Interest Rate
10-15
Year Term
  • Solar Financing: Up to $25,000
  • Credit Check: Not required
  • Rate: Municipality cost + 2%
  • Program Fee: $400
Cumberland County
2%+
Interest Rate
10-15
Year Term
  • Solar Financing: Up to $25,000
  • Credit Check: Not required
  • Rate: Municipality cost + 2%
  • Program Fee: $400
Victoria County
2%+
Interest Rate
10-15
Year Term
  • Solar Financing: Up to $25,000
  • Credit Check: Not required
  • Rate: Municipality cost + 2%
  • Program Fee: $400
East Hants
2%+
Interest Rate
15
Year Term
  • Solar Financing: Up to $25,000
  • Payment: Annual installments
  • Rate: Municipality cost + 2%
  • Program Fee: $400

*Unique annual payment schedule (most others are monthly)

Inverness County
2%+
Interest Rate
10-15
Year Term
  • Solar Financing: Up to $25,000
  • Credit Check: Not required
  • Rate: Municipality cost + 2%
  • Program Fee: $400
District of Chester
2%+
Interest Rate
10-15
Year Term
  • Solar Financing: Up to $25,000
  • Credit Check: Not required
  • Rate: Municipality cost + 2%
  • Program Fee: $400

How Solar Financing Works

Clean Energy Financing programs use Property Assessed Clean Energy (PACE) financing to make solar panel installations accessible and affordable.

7 Steps to Solar Financing

  1. Register: Apply for the Clean Energy Financing program in your municipality
  2. Assessment: Complete a Certified Home Energy Assessment (2-3 hours)
  3. Agreement: Sign the Clean Energy Financing Customer Agreement
  4. Solar Planning: Review solar recommendations and system sizing
  5. Solar Quote: Get contractor quotes for your solar panel system
  6. Installation: Professional solar installation by certified crews
  7. Activation: System commissioning and utility connection

Solar Systems & Additional Upgrades

Clean Energy Financing programs primarily support solar panel installations, with additional options for other energy upgrades:

Solar Solutions (Primary Focus)
  • Solar photovoltaic systems
  • Solar hot water systems
  • Electric vehicle charging stations
Additional Options Available
  • Heat pumps & insulation
  • Windows and doors
  • Ventilation systems
  • Other energy efficiency upgrades

Key Solar Financing Benefits

  • 1:1 Debt-to-Savings Ratio: Solar systems designed so electricity savings equal or exceed financing costs
  • Property-Based Financing: No personal credit checks or guarantees required
  • Low Interest Rates: Typically municipality cost of borrowing plus 2%
  • Solar Rebate Eligible: Combine with SolarHomes and federal solar incentives
  • Solar Expert Support: Solar advisors and technical analysts guide the process
  • Certified Solar Contractors: Access to vetted, insured solar installers

Check out our advanced solar calculator

Learn what a top quality solar system can do for you

  • Discover this year's equipment lineup and learn about storage options,
  • Design your solar system with unlimited arrays,
  • Model your system's performance over 30 years and track kWh purchases, credits and production,
  • Learn about available incentives such as the Canada Greener Homes Loan and Grant,
  • Discover your total cost for a top quality PV system as well as your ROI, payback period, new monthly power bill and your enviromental impact.
Get Started

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Ready to Finance Your Solar Installation?

Get a free solar assessment and learn how Clean Energy Financing can make solar panels affordable for your property. Our team works with all participating municipalities across Nova Scotia to make solar accessible through low-interest financing.