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Sunlight Financial

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Sunlight Financial partners with solar companies to secure financing for solar systems, batteries and roofs. The loans Sunlight make available are homeowner-friendly, with a simple approval process. Partner with Sunlight or join Sunlight's experienced team to make your day a little brighter.
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3.1
Reviews
EnergySage Rating
3.1
EnergySage Reviews
EnergySage Rating
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About Sunlight Financial

Overview

Sunlight Financial is on a mission to save homeowners money and protect our environment.

Sunlight partners with solar companies nationwide to offer homeowners innovative, affordable loans. Sunlight's best in class technology and deep credit expertise simplifies and streamlines consumer finance, enabling Sunlight's strategic partners to quickly and easily provide homeowners with economic savings and environmental benefits.

Sunlight is in it for the long term, with our partners and our customers. Sunlight secures financial commitments, then makes loans available, fairly and responsibly.

In a rapidly changing market, Sunlight develops simple, intuitive processes that facilitate and accelerate the purchase, sale and installation of residential solar systems. Sunlight cares deeply about user experience, and keeps solar companies and homeowners top of mind in our online portal and flexible APIs.

Sunlight works with our strategic partners to create financial products that we believe in. And Sunlight hires, trains and develops teammates committed to providing service and support as reliable as the sun itself.
Year Established
2014
Phone Number
888-850-3359

Services Offered

  • Financing

Industry Certifications

  • Better Business Bureau
  • Solar Energy Industries Association

What Customers Are Saying

Ratings & Reviews

3.1
169 reviews
3.1
Average Rating 169 review(s)
Response
3.1
Quality
3.3
Value
3.3
Service
3.2
Leave a Review
Predatory company practices

Sunlight Financial has shown terrible customer service and unprofessional conduct. I was charged an NSF fee even though I had already updated my checking account information. The company hides behind vague language the fact that it takes three full days for account updates to process is hidden and not clearly stated in their disclosure. Because of this lack of transparency, the payment was routed to the wrong account, and I was unfairly penalized. When I reached out to resolve the issue, I encountered unhelpful and unprofessional staff who refused to take responsibility. Instead of acknowledging their failure to disclose critical information, they blamed me and insisted on enforcing an unjustified fee. This kind of behavior is predatory and unacceptable. Customers should not be punished for internal system delays and poorly worded disclosures that bury important details. Sunlight Financial’s practices undermine trust and reflect a lack of accountability. I would strongly advise others to avoid doing business with this company.

Posted by dieselpcs on Oct 07, 2025
Hidden fees, unclear practices

I would never trust Sunlight Financial again. I generated the loan payoff letter, received the balance, and paid it off. Two days later, I received a notification stating that I still owed $3.10 because I had paid it off on a Saturday, as if that were my fault. They don’t process payments until Mondays, which is absurd. The agent was nice, but the company’s practices are idiotic! The agent even said that the 3.10 were due to my principle yet generally when you do a payoff letter it will include everything so why the 3.10?! Never again don’t trust this company!!

Posted by denise321452 on Jul 22, 2025
Thieves Don't do business with this company.

First call to customer service regarding if extra payments would to be applied to principal was Immediately met with an Aggressive and demining tone as if she was speaking to her child, husband or a homeless person. Of A EXTRA $400PAYEMENT 340.00 GOES TO INTERESS AND 60 GOES TO PRINCIPLE NO MATTER WHAT! NO EARLY PAYOFF

Posted by dancast2 on Jul 01, 2025
Frauds

This company defraud people out of money, and they'll try to take your home too. Instead of filing a ucc fixture lien, they file a lien on your title that prevents you from selling your home. Im getting ready to lawyer up by June 30th if they don't resolve the issue. I've been calling them for a month and so has the buyers agent. We've had them on 3 way call with cross river twice.

Posted by hwallace8989 on Jun 21, 2025
BE AWARE OF FRAUDULENT BUSINESS PRACTICES!!

I am in the process of selling my home. I called Sunlight in March and was told I could transfer my loan to the New home owner. They would need to apply for the loan transfer and I was given the information to pass along to my real estate agent and attorney to put into the contract. The home sale was negotiated with the solar transfer included. The buyer's agent contacted Sunlight in May to start the transfer, only to be told since I owe less than $15,000, they could not process the request. I called the company at that point and was told I owed $13,600, they would not honor the transfer of loan agreement. My attorney and I read my agreement from 7 years ago and no where in the agreement does it mention $15,000 loan transfer minimum. I have called Sunlight multiple times to get this resolved since the home sale is contingent on this issue to be told we have sent your account to our "Complaint Department" and you CAN NOT speak to them. They will get back to you in 7 days, it's been 25 days and no response. DO NOT DO BUSINESS WITH SUNLIGHT FINANCIAL. At no point did I ever agree to a $15,000 minimum transfer, if I had we would have added to the selling price of the home. They do not return telephone calls either.

Posted by rtancer on Jun 14, 2025
Worse company to deal with

I finally sold my house for the second time. The first time Sunlight WOULD not allow the loan to be transferred, so the buyers backed out. Now , Thank you Lord that I finally was able to sell my house, I had to have the payoff included at closing. But guess what people that are reading my review, Sunlight financial provides a P.O box as a way to payoff the loan, it's been over a week since the payoff check was sent to them and THE LOAN IS STILL NOT PAID OFF.... OVER A WEEK!! Why don't you people at Sunlight get with the 21st century and allow for a goddamn wire transfer to have this damn loan paid off? I had to make an extra payment today because my loan with your terrible company is due today!! I'm trying to avoid further issues with this nightmare of a company. horrible, horrible company to deal with. You people make lives difficult. I was supposed to NOT have to worry about this GODDAMMED loan, but it is still haunting me after my house was sold over week ago.

Posted by maricy.machado on Jun 02, 2025

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