| Input | Cash purchase | Loan purchase |
|---|---|---|
| Project price | Full upfront amount | Down payment + financed amount |
| Finance cost | None | APR/interest and fees |
| Emergency liquidity | Reduced immediately | More cash retained |
| Electricity savings | Same system assumptions | Same system assumptions |
| Subsidy | Count only if verified | Count only if verified |
| Net value | Savings minus project cost/opportunity cost | Savings minus project and finance cost |
← Full guide: Solar Loan vs Cash Purchase: Interest and Payback Comparison
Compare two cash flows, not two marketing prices
Input. Cash purchase. Loan purchase. Project price. Full upfront amount. Down payment + financed amount. Finance cost. None. APR/interest and fees.
Start here
Input. Cash purchase. Loan purchase. Project price. Full upfront amount. Down payment + financed amount. Finance cost. None. APR/interest and fees. Emergency liquidity. Reduced immediately. More cash retained. Electricity savings. Same system assumptions. Same system assumptions. Subsidy. Count only if verified. Count only if verified. Net value. Savings minus project cost/opportunity cost. Savings minus project.
What applies to this exact problem
Check these first
- Input: Cash purchase.
- Project price: Full upfront amount.
- Finance cost: None.
Fix it in this order
- Input: Cash purchase.
- Project price: Full upfront amount.
- Finance cost: None.
- Emergency liquidity: Reduced immediately.
- Electricity savings: Same system assumptions.
- Subsidy: Count only if verified.
- Net value: Savings minus project cost/opportunity cost.
Evidence to keep
- Signed quote and scope — keep it with the evidence for “Compare two cash flows, not two marketing prices”.
- Module/inverter serials and warranty — keep it with the evidence for “Compare two cash flows, not two marketing prices”.
- DISCOM/portal application IDs — keep it with the evidence for “Compare two cash flows, not two marketing prices”.
- Generation data, photos, and installer tickets — keep it with the evidence for “Compare two cash flows, not two marketing prices”.
Do not make it harder
- Paying the final amount before checking agreed milestones For “Compare two cash flows, not two marketing prices”, that can hide whether the underlying issue is actually resolved.
- Assuming low generation is automatically a bad panel For “Compare two cash flows, not two marketing prices”, that can hide whether the underlying issue is actually resolved.
- Treating installer completion as DISCOM/subsidy completion For “Compare two cash flows, not two marketing prices”, that can hide whether the underlying issue is actually resolved.
How you know it is fixed
- The appliance completes the relevant cycle or holds the expected temperature without repeating the fault for “Compare two cash flows, not two marketing prices”.
- No safety warning, leak, abnormal heat, smell, or recurring error remains for “Compare two cash flows, not two marketing prices”.
If this still isn't resolved
- Installer/vendor grievance State the unresolved issue explicitly: “Compare two cash flows, not two marketing prices”.
- DISCOM/portal grievance route State the unresolved issue explicitly: “Compare two cash flows, not two marketing prices”.
- Consumer forum or other official remedy where appropriate State the unresolved issue explicitly: “Compare two cash flows, not two marketing prices”.
Parent-guide references
These references support the parent guide and escalation context. Verify provider-, model-, policy-, or jurisdiction-specific details before an irreversible step.
Need the complete context?
This page solves one branch. The parent guide covers the full decision, edge cases, alternatives, and related checks.