Solar Finance & Payment Options
Transparent pricing with flexible ways to pay. Whether you prefer to pay outright or spread the cost, we have an option that works for your budget.
Three Ways to Pay
All options include 0% VAT on domestic solar installations until March 2027.
Pay Outright
Best valueNo interest, no monthly payments. The lowest total cost and fastest payback period.
- Lowest total cost
- Fastest ROI / payback
- No credit checks
- 0% VAT saving fully realised
Prices include 0% VAT. Exact cost depends on system size and specification.
Interest-Free Credit (0% APR)
Most popularSpread the cost over 12-24 months with no interest. Same total cost as paying outright.
- No interest charges
- Fixed monthly payments
- Start saving immediately
- Preserves your cash reserves
Subject to credit approval. 0% APR available on systems from £5,000 to £14,000 over 12 or 24 months.
Low-Rate Finance (3.9% APR)
Longer termsSpread the cost over 3-7 years with a low fixed interest rate. Monthly payments often lower than your energy savings.
- Low monthly payments
- Payments offset by savings
- Terms from 3 to 7 years
- Fixed rate — no surprises
Representative 3.9% APR. Subject to credit approval. Rates may vary based on term and amount.
Side-by-Side Comparison
| Pay Outright | 0% APR Credit | Low-Rate Finance | |
|---|---|---|---|
| Total cost | Lowest | Same as outright | Slightly higher |
| Monthly payment | £0 | £230-£580 | £95-£180 |
| Payback period | 5-8 years | 5-8 years | 6-9 years |
| Cash flow impact | High upfront | Moderate | Minimal |
| Interest charges | None | None | ~£800-£1,800 |
| Credit check | No | Yes | Yes |
Applying for Finance
Get Your Free Quote
We survey your property and provide a detailed proposal with system specifications, projected savings, and total cost.
Choose Your Payment Method
Review the finance options and choose what works for your budget. No pressure, no hard sell — we present the facts and you decide.
Quick Application
If choosing finance, we submit your application through our FCA-regulated finance partner. Decisions are typically instant or within 24 hours.
Installation & Activation
Once approved, we schedule your installation. You start saving on energy bills from day one — often before your first finance payment is due.
No Hidden Costs Guarantee
Lumos Energy acts as a credit broker, not a lender. Finance is provided by our FCA-regulated partner. All finance is subject to status and affordability checks.
Get Your Free QuoteCosts & Savings FAQs
A typical 4kW residential solar panel system in Wiltshire costs between £5,000 and £7,000 including installation, with 0% VAT until March 2027. Larger systems (5-6kW) range from £7,000 to £9,000. Every Lumos Energy quote is bespoke — based on your roof, your usage, and your goals.
A typical 4kW system in the South West generates approximately 3,920 kWh per year. At current electricity rates, this can save £800-£1,200 annually depending on your self-consumption rate. Adding battery storage increases savings further by using more of your own generation.
Most residential solar systems in Wiltshire and the South West pay for themselves within 5-8 years, depending on system size, energy usage, and whether you add battery storage. After payback, you generate free electricity for 20+ years.
Yes. Since April 2022, domestic solar panel installations in the UK have been zero-rated for VAT. This applies to panels, inverters, battery storage (when installed with solar), and installation labour. The 0% rate is currently guaranteed until March 2027.
The SEG pays you for surplus electricity you export to the grid. Current rates are approximately 10.8p per kWh. Your system must be MCS certified to qualify — all Lumos Energy installations are MCS registered as standard.
Ready to Start Saving?
Get a free, no-obligation quote with all payment options clearly laid out. No pressure, just transparent pricing.
Free survey · No obligation · Broughton Gifford, Melksham · Open Mon–Fri 8am–6pm, Sat 9am–2pm