Dividend Solar Logo

Dividend Solar

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292 User Reviews

6.8

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LAST UPDATED: August 11th, 2022

Headquartered in San Francisco, California, Dividend Solar is a relatively new company in the solar energy industry. Unlike many other solar energy businesses, however, Dividend Solar sets itself apart by specializing in solar financing and loans.

The solar power company stands by its decision to offer outright purchase and loan payment options to residential customers because there are certain advantages that come along with purchasing a system, such as tax credits and rebates.

Read on to discover the pros and cons about Dividend Solar, as well as view Dividend Solar reviews from real customers.

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The Good

  • $0 Down EmpowerLoan and Dividend PACE Loans
  • Certified Solar Installers
  • Lengthy Warranties
  • Real-Time Monitoring

$0 Down EmpowerLoan and Dividend PACE Loans

Possibly the most obvious advantage of working with Dividend Solar is that the company specializes in residential solar loans, so it's a great option for homeowners who would rather make an investment in solar panels than lease them.

Dividend Solar offers two types of loans: EmpowerLoan and PACE loans. Both options are $0 down; can be paid off early; and include certified installers, a performance guarantee, and a warranty.

In addition to these benefits, customers are also eligible for any available federal and state tax credits, rebates, and other renewable energy incentives.

Certified Solar Installers

It bodes well for customers that Dividend Solar requires its solar installation contractors to have professional licensing and certifications (NABCEP in particular).

Some customers might hesitate to work with a company that outsources work to third-party contractors, but the fact that Dividend Solar requires these qualifications increases the likelihood that customers will receive a high-quality installation and be satisfied with the work done on their home.

Lengthy Warranties

Dividend Solar offers a 25-year warranty that covers repairs and defects, performance, and maintenance services through its installation companies. The company also offers a 20-year workmanship warranty that covers labor.

Real-Time Monitoring

Consumers who purchase solar panels through Dividend Solar have the ability to monitor the progress and performance of their panels in real time. With this technology, customers can also see how much clean energy their system is producing, how much money the panels are saving them, and the effect that their solar PV system is having on the environment.

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The Bad

  • No Lease or PPA Options
  • Focus on Financing
  • Outsourced Installations
  • Limited Experience in the Industry

No Lease or PPA Options

Dividend Solar does not offer leases or PPAs. The company's EmpowerLoan is a great product, but a lease or PPA may be a better fit for consumers who want to make the switch to clean energy but would prefer not to take on the responsibility that comes along with solar ownership.

Focus on Financing

Dividend Solar places the majority of its focus on providing loans through its financial product, the EmpowerLoan. This means that the company has more experience helping customers get financing than actually installing solar PV systems on homes.

Outsourced Installations

Another potential drawback of Dividend Solar is that the company hires local contractors from its network to perform installations for solar PV systems. Despite the qualifications these contractors must meet, some customers prefer not to work with companies that outsource installations because this practice can sometimes result in miscommunication or lack of quality.

Limited Experience in the Industry

Dividend Solar was founded in 2013. While the solar industry as a whole is relatively new, many solar companies have been around for at least twice as long as Dividend Solar. This means Dividend Solar has had less time to gain experience and prove itself as a solid company within the industry.

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The Bottom Line

Dividend Solar has many advantages to offer customers who are interested in renewable energy and solar power as an investment. The company specializes in residential solar loans and PACE financing, is readily available for homeowners in the many states around the country, and assembled a great network of people who can provide financial support and reliable labor.

However, Dividend Solar is primarily a loan provider, so if you are looking for a lease or PPA, you won't have much luck with this company. Also, Dividend Solar does not install solar energy systems itself, so if you choose to work with this company, keep in mind that your solar installation will be outsourced to a third-party contractor.

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User Reviews

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4.0

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292 Reviews

Review Breakdown

5 grade

58%

4 grade

17%

3 grade

5%

2 grade

5%

1 grade

14%

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Phyllis Osterlund Cape Coral, FL

My son is the one who contacted the company and set everything up. They have been fantastic so far. When I contacted them they helped me understand how it works and what was going to happen. They explained it all really well. The equipment is very easy to use and efficient. I can check on it with my cellphone and I know what it's doing. The installation went fine, we only had a problem with the people that came in to do it. They stepped on my vents and made a roof leak in my attic. Apparently the person that was up there was new and didn't know he could cause something like that. But other than that, they did a fantastic job sealing everything well and all. I don't have to worry about it all. I've had it for a few months, but so far it has saved me almost 6 months of energy. It cut my bill right in half. They have been very trustworthy and honest.

5 years ago

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Felix Rangel Iii Oroville, CA

I knew one of the guys that works with them, so I decided to trust them and go with it. So far so good, it has been doing well. If I have any problem, they're always there for me. When we first got it all installed, I didn't understand how it worked, so I just got a hold of them and they showed me the way to monitor it and all. I also had a problem with the bill, but they showed me the way and helped me understand it, all I had to do is give them a call. The installation itself went really well. The attic was closed and they couldn't get to it, but they managed to bypass that and got it all installed. It looks really good. My energy bill dropped down and all the other things they said would happen have been totally true. On top of that, the service pays for itself. I like the way that it's going so far.

5 years ago

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Robert Martin Surprise, AZ

They have been very responsive, great at communication. They answered all of our questions and provide excellent assistance. They met all the time frames and exceeded our expectations. We were on vacation while they installed, but my friend did us the favor of being there while they did that. Apparently it went very smoothly. The solar panels look great and everything looks just fine. We have a program that we can look at to see how much energy we are using and how much we are getting. It's nice to have that extra feature. We have absolutely zero complaints or concerns with them. They are doing a great job.

5 years ago

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Vicki D Taylor Dallas, TX

We used to have solar when we moved from California, so we wanted to have that here too. We went and talked to a Dividend Solar agent to figure it out. Not only did they put solar panels, but they also did an audit on our engine, added a radiant barrier and insulation in our attic, and replaced all the light bulbs with LED's. I did have to move our breaker box to a different place, but it would've costed way more in California. The installation went very smoothly. As a matter of fact, it happened on a day I wasn't home, so I got back and all of a sudden there were solar panels up there. After that we had to wait for a city inspector to come and check everything, but the minute the inspection was done, the solar was on. Everything has been perfect. The panels and equipment work perfectly and they did a really nice job on the installation. They are great.

5 years ago

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Albert Vanasse Burrillville, RI

Anytime we have a question, we called them and they were right there to give us an answer. Everything they say sounds good and makes sense. The installation was very good and they were done within a day. We haven't had any problems with them, everything is working okay. My husband can go on the computer and check how much the panels are producing and everything. We're saving a lot of money on our electricity bill.

5 years ago

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Judy Fink Glendale, AZ

A different company came by to check on my docks and give me an energy evaluation. They recommended Dividend, so I went with it. So far they've been great because they came when they said they were gonna come, finished the work in a reasonable amount of time, and pretty much kept their word. I haven't had any problems so far. It has been a good experience.

5 years ago

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Charles Berkley Jr Cranston, RI

The equipment itself is fine, but I did have some trouble with the people that came to install my solar panels. They damaged some of my gutters and it took almost a month and a half for everything to be done. In the end they said they got everything replaced for the cheapest price, so I think that was ok. I also had to keep calling them to get updates. Other than that, they have done what they said they would do. We've only had the panels for a few months, so it's hard to tell how much we're saving. The first month was not good at all, and the last one wasn't good either. I got a hundred and something dollars less in the second month, but it still wasn't what I had anticipated. I was told that with the batteries, everything should average out over a year, but it hasn't been uniform so far.

5 years ago

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Jeff Carusotto Cliffwood, NJ

Customer service is good, every time I have a question they answer it. They're always available. The installation was pretty basic, but it went fine and they did everything that they said they would do. The system does what it's supposed to do. The only thing I had an issue with was getting the Asrocks to turn on so I could have both that and the light, but as long as everything is installed I'm ok.

5 years ago

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Gordon Ryerson Tampa, FL

Everything was seamless. Customer service helped set everything set up and they were very responsive to the questions that we had. The installation process was pretty straightforward as well and it went smoothly. In the beginning they had to come and check a few things, some technical stuff that wasn't working, but otherwise it has been running without a problem. It seems to be good quality.

5 years ago

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Jose Carattini Visalia, CA

Every time I had a problem or questions, I just had to call to get an answer right away. It didn't matter if it was a big or small thing, they'd get me the information. The installation went smoothly and was very nice. They did a clean job. I think I got a pretty good deal, my roof looks cleaner and better done than other houses that have solar in the neighborhood.

5 years ago

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Joann Downey Royal Palm Beach, FL

They reached out to us about the service and we decided to go with them. They answered all my questions in a timely manner, and the installation was very smooth too. I just don't think I'm getting the bank for your buck part. I don't know if it's just that the summers are extremely hot or something, but I'm paying much more for my overall electric bill than what I was paying in the past. This after I was told that my bill would be equal to what I was paying before.

5 years ago

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Michael German San Antonio, TX

They always respond quickly when I call. Even if I can't get someone on the phone, they always give me a call back rather quickly and provide me with the response that I need. The installation went well, it took about a day for them to do it, but they set it all up on time. We did have to change the initial installation date since something came up, but they came out and did their job. It was really transparent. I'm very happy with the service and the equipment I have, I haven't had any problems since then. It's always a great company.

5 years ago

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Steven Holder Anna, TX

I went with them since I liked the idea of owning the system rather than renting it forever. That way, when I pay it all off and retire I don't have to pay a renting bill. When they came in and installed it there were no problems or issues. They did it quickly and answered all of my questions. They were done in about 4 hours and left no mess. It was all perfect, they cleaned up, and were really professional and nice.

5 years ago

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Butch Minotola, NJ'

The install went quickly. The guys had the panels and everything done in less than three days. Getting the forms processed so we could get online took almost three months however. Our sales rep was in so close contact with us through the set up and install, we almost starting charging him rent. However, once the install was done, we almost never saw him again. We're still waiting to hear from him on an account snafu which happened a few weeks ago.

5 years ago

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Anonymous Santa Clarita, CA'

Great value, quick installation, responsiveness was slow but likely due to increased demand and all questions seemed to go through owner who was pretty busy. They still got to all my questions, but probably need some administrative help to lighten owners load. Overall when all was said and done, very happy with final product!

5 years ago

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Lofton Alley Tampa, FL

Originally, it was the only option we were given when it came to getting solar, but it has been very easy, quick, and efficient to deal with them. Customer service is well organized and set up, they have made everything very smooth and easy. The panels that we got are medium-high quality, so they are not necessarily the absolute best, but I have no complains. They have been working fine and the auxiliary equipment and web interface of the inverter can be very helpful. We've been perfectly satisfied.

5 years ago

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Karyn Smith New Haven, CT

At the time they were the best finance company that was working with my solar installer, I really didn't choose them myself. They were just the company that Trinity was using. Still I haven't had any problems yet and the installation was also okay. The information was easy to understand and I know exactly what is happening at all times.

5 years ago

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Mary Anne Turner Calverton, NY

I liked them better than the other companies I looked into because they gave me the chance to actually own the system. Installation went very smoothly. So far it has been great, I haven't had any issues or problems with them, plus they gave me the ability to monitor the system myself. I'm happy with that.

5 years ago

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Anonymous Beverly Hills, FL

We got it because of the total package, it included different companies that came together and Dividend took care of it all for us. Every time we tell them about an issue, they take care of it. Installation itself was good, we had no issues. So far everything is working.

5 years ago

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William Gavitt Westerly, RI

Truthfully, I wasn't given an option, Dividend just came along with the solar company that I hired to put panels on my roof. I ended up having some problems between the layers of Dividend Solar and Trinity Solar. There was some kind of problem about the monitor in my system or something, and so my system was down for a whole month while they figured it out. They kept saying that it was each other's problem and that was pretty annoying. I was out of solar for 3 weeks and had to pay out of pocket more than what I was supposed to. The installation of the solar system was fine, there were no problems there. I imagine the software in general is also alright. With the billing, I ended up paying a different amount than what I thought I had to pay. Apparently it was also because of some installation problems and because the people that did all of that couldn't coordinate to make it all work as it should.

5 years ago

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Benjamin Mockoviciak Columbia, SC

Working with the representative is always easy and, if I ask any questions, they always answer me. They were courteous and professional. Installation was very smooth, the installers got everything done in a day or two. The whole thing is affordable compared to other services.

5 years ago

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Mervyn Woolf Portsmouth, RI

They actually approached me and gave me an attractive offer so I just went with it. Customer service has made sure to get everything set up appropriately. When I had some issues, they dealt with them efficiently and charged me nothing for it. The solar panels have never been faulty, though it took a while for them to set the panels up.

5 years ago

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Patricia Jones East Greenwich, RI

They have been quick to get back to me every time I have a question. They worked on the installation from beginning to end and finished on a timely manner, even though it was raining while they did that. I think they're very trustworthy.

5 years ago

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Mauro Panchame

The representative that I talked to was the best, so I decided to go with them. I've only had it for about 3 months, but it has been good. Every time I call them, they answer the phone and give me the information that I need whenever I have a problem. The only problem we have was with the inspection, it took too long. They should get a better city inspector to keep that from happening.

5 years ago

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Antonio Oliveira Lake Elsinore, CA

Fairly new installation/loan, so I haven't had time to use much of its service. But so far, very easy to go through approval process, with very low interest rate and full online process.

5 years ago

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Mr & MRS Pendergraft Rockledge, FL

We have to have a new ROOF An when we had the Solar put on I ask how it would work to have the Solar taken down for the new Roof An was told it was no problem it would not cost more than $500.00 or so to take down an replace after the new Roof .Well I have Spoke to RICKY with SEM twice An ask him to tell me how much and I have left four message An it has been a week An I have not heard from him or Any one so We are really up set .We are just about to say I have had I with them .There is not reason I have not received a answer .No one has called us in over a week An I am feed up.We have about had it with all of them . MR &MRS Pendergraft

5 years ago

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James Butler League City, TX

The installation process worked well, they were in and out and were very professional. I've only had the solar panels for some 3 months and so far I haven't seen a change in my electric bill. I'm paying $175 for the solar panels, and I'm still waiting for the costs to go down. You know, I can't understand why the solar panels have not gotten my bills down like they said they would.

5 years ago

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Anthony Maher Helotes, TX

The sales provider did a good job of giving us all the information about this program so, after looking around we decided to go with them. It took us a couple of trips out there till we got the final approval from the city. From there, customer service took care and the whole thing was seamless, they did a good job. There were some hiccups and glitches with the installation and they had to come out here several times. Other than that, we thought we'd get a little more of a discount after it was all done.

5 years ago

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Anonymous Charleston, SC

The sales team was very helpful and the installation was pretty straight forward. It took them a day and a half to set them all up. They left no stray wires and everything was very professional. They have been very responsive to all my questions too.

5 years ago

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Brian Gerace Attleboro, MA

A local broker here in Metro Boston came by and explained it to us in kind of idiot speak. They were very concise and explanatory. The contractor that came and did the installation went above and beyond with the installation.

5 years ago

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John Messina Peoria, AZ

They helped me get everything that I needed to get approved for solar. Installation was quick and easy, no one would've done they did it. I've only had it for a few months but it works great. I haven't paid much from my electric bill and I expect to pay none when I'm done. The price is also pretty reasonable.

5 years ago

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John Sylvestre Pawtucket, RI

When the representative came over here, we just ended up going with them. For the most part, whenever I call them with questions, they answer me. On a couple of times, I tried to get a hold of them but received no call back. The installation itself was awesome, it was all quick and they did a great job.

5 years ago

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Anonymous Springfield, MA

The customer service representative was very good. Any concerns that I had were immediately addressed and any questions I had were immediately answered. Installing the panels was really smooth, and the panels seem to be working adequately. My usage has tremendously increased though, I'm not seeing the saving I initially anticipated.

5 years ago

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Robert Hummel Inverness, FL

They gave me all the answers I've needed. I didn't experience any difficulty since the installation. I'm still debating if it's worth it since there have been many difficulties with the duke energy.

5 years ago

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David ddey Sanford, FL

They have been very responsive and quick to answer any questions I had. During the installation they were efficient, good, and very organized. It was a good experience and I'd suggest other people get them too.

5 years ago

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Larry B Concord, CA

Dividend Solar was not only extremely easy to work with when initially setting up my financing, but they also took the time during the installation process to make sure I understood when I should be authorizing funding of the loan to the contractor. This was very valuable to me as a customer since I had a few items on the scope of work with the contractor and they wanted me to find after the first item was completed. Dividend’s representative took the time to listen and informed me I should wait until all items were installed. I communicated this to the contractor and they didn’t mention it again until everything was installed. I would definitely recommend Dividend to my friends and family.

3 years ago

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Reply from Dividend Solar

Hi Larry, thank you for the review! We are so happy to hear that you had such a great financing experience with us. Have you heard about our Friends with Dividends referral program? Check out this link to learn more about how you can refer friends and family to Dividend:

Dec. 2nd, 2019

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Lolita Colorado Springs, CO

The whole process was essentially painless. We had a superb salesman, Trent, who answered our questions and smoothed the way for us to achieve our dream of using less fossil fuels by purchasing a solar panel system. Kimberly S kept in contact with us to make sure we were all on the same page as far as scheduling appointments, letting us know what our system was going to look like and helping us finalize a payment plan with Dividend Solar. The crew who installed our solar panels were courteous, friendly, approachable and thoroughly professional in their treatment of us, their customer. The solar panels look great! We would highly recommend that anyone who wishes to diminish their fossil fuel imprint and do a little bit to help the environment to get in contact with ION SOLAR and Dividend Solar.

3 years ago

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Reply from Dividend Solar

Lolita, thank you so much for taking the time to leave us a review. We are so happy to hear that you had such a positive solar financing experience and you are accomplishing your goal of using less fossil fuels and helping the environment!

Nov. 20th, 2019

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JL4everKnight Oviedo, FL

I had never heard of Dividend, nor did I know Finance companies specifically geared toward home improvements even existed. I have been very happy with my experience so far. Everyone I’ve spoken to has been very polite and patient but also seemed like real people, not like they were reading a script. I’ve communicated with them over the phone and through email, and I’ve always gotten quick and stellar service so far. The approval process was easy and pretty standard, not overwhelmingly or unnecessarily complicated at all, which is not always the case in a financing situation. I would wholeheartedly recommend Dividend to anyone looking for financing for a home solar system or other home improvements.

3 years ago

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Carol Lee

We have had nothing less than a stellar experience all the way through. Our salesman, Karl, was knowledgeable, accommodating, kind, always willing to explain everything, kept us informed at all times where we were in the process, what was coming next and when to expect it. Things don’t always go as planned and anytime there was a hiccup, we were informed what was happening and what the next steps were. The minor hiccups were so easily and expeditiously handled that we would have never even known if we weren’t specifically told about it. I would recommend this to anyone with the amazing service that we have received.

5 years ago

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Timothy Kadar Sumter, SC

Dividend Solar financed our solar system. Their installer, Alder Energy Systems, installed a 14.04 kWp system on our house in April 2016. It took two days for the team to complete the install. The crew was professional, polite, clean, and took pride in their workmanship. The foreman was extremely knowledgeable and kept me apprised of what was happening and why. The electrician even took time out to show me how the inverter box worked in detail (honestly, a lot of it was over my head). The completed installation looks great and has been performing well. Even with the excessive amount of rain and cloudy days we've experienced, the system is generating the power forecasted. We are very pleased with our Dividend Solar and Alder Energy Systems, from the loan proposal to energizing the system, to support afterward.

6 years ago

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Mark Milero New York, NY

I had a real smooth transition going solar. Everything from the financing to permitting to installation. No issues. Dividend was easy and Etho solar was a great company. Too bad they no longer install solar in the United States. When they went back to Canada I was concerned about my warranty issues but Ginger at Dividend assured me that they would step in and take care of any issues and schedule a repair company if need be. I was very happy to hear that from her. As far as my panels go, I couldn't be happier. I usually had a 300 dollar a month electric bill. Last month a got my first electric bill. Ready for this? ...... $8.89 Yes, that's not a typo. Eight dollars and eighty nine cents. And have put enough kilowatts back into the grid to earn almost 2 REC checks. Massachusetts is paying 472 dollars per REC Certificate. The market is great right now for them. All and all my experience has been a positive one. I should have done this a while ago. Thanks again.

7 years ago

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Karim Atlanta, GA

We decided to purchase solar panels in 2014, and DividendSolar took care of everything from soup to nuts: they prepared all the paperwork (barely 7 pages, including pictures), brought in the installer who did a great job, provided the financing, located and connected us with the SREC broker, walked us through the simply process of getting the 30% tax credit, etc... Owning the system itself for us was a no-brainer. Our monthly payments are substantially lower than the savings from the utility, and we also receive quarterly checks from the SREC sales. So not only are we "saving the planet" with a clean source of energy, we are also significantly better off financially, with a positive net cash flow.

7 years ago

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Josh R. Austin, TX

Our experience with Dividend Solar has been excellent. The entire process, from applying for and getting approved for the loan, to setting up automatic monthly payments, has been pain and hassle free. The Dividend Solar website is incredibly easy to use and it even allows us to see how much power we're generating each day, month, and since inception. There is an option to pay extra each month or to pay off the loan sooner. Since Dividend Solar monitors the system, if the solar system were to somehow malfunction or accidentally get turned off, they would know about it immediately. The customer service at Dividend is excellent. It is hard to think of how our experience could have been better.

7 years ago

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Eric Lake Worth, FL'

Their referral program was slow to send me my referral rewards after friendsyatem was up and running. I had to call them to request my check. Not cool. Quick to take your money but slow to send you what you agreed to.

5 years ago

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Carol S. West Palm Beach, FL

Well, so far so good! They keep me up to date regarding my account billing and payments. They have also been very clear about their process and policies.

5 years ago

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Jeffrey Robinson Tarpon Springs, FL

They are always on time and always answer your questions. They have been very helpful. During installation, everything went smoothly and it all works.

5 years ago

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Samuel Amos Houston, TX

I haven't had the system for long enough, right now it doesn't even seem to be working. I had someone come out to look at my bill and he didn't think it was working. In fact, most of the times I don't even get a bill. When I do get one, it's already past due. I've been trying to get somebody to correct that for me, but communication is not really good.

5 years ago

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Michael Stolz Peoria, AZ

I got it after meeting with a salesman. They have pretty much taken care of everything so far, it just took a while. Installation was fine but they were somewhat slow with that.

5 years ago

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Lisa Houston

We went with them since the financing company that was helping us out said they were the only choice. There were a couple of glitches here and there during the installation, but overall it went okay.

5 years ago

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Meredith Skidmore Columbia, CA

We like the equipment, we installed it 3 months ago and it hasn't kicked in quite yet , but I'm finally starting to see a decrease in my regular electricity bill. I was expecting that to happen sooner.

5 years ago

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