Can I get a solar loan if I live in a mobile home park and don't own the land?

Yes, absolutely. This is a primary reason why unsecured personal loans are an excellent fit for this situation. Since the loan is not secured by the property, lenders are focused on your personal financial standing, not your land ownership status. You will, however, need to get permission from the mobile home park management to install the panels, so be sure to check your park's rules and regulations first.

How does my mobile home's age affect my ability to get a solar loan?

For an unsecured personal loan, the age of your mobile home is not a direct factor in the loan approval decision. Lenders are underwriting you, the borrower. However, the age and condition of your roof are critical for the solar installation itself. Before applying for a loan, it's wise to have a solar installer assess your roof to ensure it has the structural integrity to support the weight of the panels for the next 20-25 years.

Will a personal loan for solar panels cover installation and permit costs too?

Yes. A personal loan provides a lump sum of cash that you can use for all project-related expenses. This includes the solar panels, inverters, racking, wiring, professional installation labor, municipal permits, and any necessary electrical upgrades. Be sure to get a detailed quote from your installer to request an accurate loan amount.

Are there unsecured loan options specifically for financing solar on a double wide?

While there isn't a loan product named the "double wide solar loan," an unsecured personal loan perfectly serves this purpose. The financing is not tied to the type of home, whether it's a single wide, double wide, or modular prefab home. You can use the funds from a personal loan to install a solar system on any type of manufactured housing you own.

What credit score is needed for a mobile home solar loan?

Most lenders in our network look for a minimum credit score in the 600-640 range. However, some partners may consider applicants with scores slightly below this. A higher credit score (700+) will generally give you access to more competitive interest rates and better loan terms. Checking your rate with us is a soft inquiry and won't hurt your score, so it's the best way to see what you may qualify for.

Can I use a personal loan to add a solar battery backup for my prefab home?

Yes. The flexibility of a personal loan allows you to finance an entire solar-plus-storage system. If you want the security of a battery backup to provide power during grid outages, you can include the cost of the battery and its installation in your total loan amount. This allows you to finance the complete, resilient energy system you want in a single transaction.

Financing Solar Panels for Your Mobile Home

Get a personal loan to cover the full cost of solar panel purchase and installation for your manufactured, prefab, or trailer home.

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Going Solar on a Manufactured Home Shouldn't Be So Hard

Traditional lenders don't understand financing for homes on leased land.
Our network offers unsecured personal loans, so land ownership isn't a barrier to getting solar financing.
You're worried a secured loan (like a HELOC) isn't an option or is too risky.
Personal loans don't use your home as collateral, providing a safer way to fund your energy independence.
Finding a single loan that covers panels, inverters, and installation is complicated.
A personal loan provides a lump sum of cash you can use for every aspect of your solar project.
You're unsure if your home's age or structure will disqualify you for financing.
Loan approval is based on your financial profile, not your home's specifications, offering more flexibility.

Unlock Clean Energy with a Mobile Home Solar Loan

Owning a manufactured or mobile home is a smart, affordable path to homeownership. You deserve the same access to cost-saving, clean energy as owners of traditional site-built homes. However, many mobile home owners discover that financing a solar panel system comes with unique hurdles. Lenders may be hesitant due to factors like leased land in a mobile home park, the classification of the home as personal property rather than real estate, or the age of the structure. This is where a personal loan for solar panels becomes a powerful tool.

An unsecured personal loan is a flexible financing option that provides you with a lump sum of cash to purchase and install your solar energy system. Because it's 'unsecured,' you don't need to put your home or property up as collateral. The loan is granted based on your creditworthiness, income, and ability to repay. This sidesteps many of the roadblocks associated with traditional home equity loans or secured financing, making it an ideal solution for solar on a prefab, double wide, or any manufactured home, even if you live in a mobile home park.

Your Path to Solar Financing in 3 Steps

1
Check Your Eligibility
Fill out our simple online form in minutes. This initial step is a soft credit pull and will not affect your credit score.
2
Compare Your Loan Offers
If you pre-qualify, you'll see personalized loan offers from our network of lenders, detailing APRs, terms, and monthly payments.
3
Get Funded & Go Solar
Select the best offer for your budget. Once you're approved and finalize your loan, funds are typically deposited directly into your account in as little as one business day.

See What Your Solar Project Could Cost

Get personalized rate estimates without any commitment or impact to your credit score.

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Understanding the Costs of Solar for a Manufactured Home

The total cost of a solar panel system for a mobile or manufactured home can vary significantly based on your energy needs, location, and the specific equipment you choose. Most systems for homes of this size fall within the $10,000 to $25,000 range. A personal loan can cover 100% of these project costs, so you don't have to worry about a large out-of-pocket expense. Below is a typical breakdown of where that money goes.

Example Project Cost: 6kW System

Solar Panels (15-18 panels) Average cost per watt	$7,000 - $9,500
Inverter, Racking & Hardware Essential system components	$3,000 - $5,000
Professional Installation & Labor Includes structural assessment	$3,500 - $6,000
Permitting & Inspection Fees Varies by municipality	$500 - $1,500

Estimated monthly

$298/mo

Based on a $18,000 loan with a 7-year term at 11% APR. Your actual rate may vary.

Remember to also factor in potential savings from the federal solar tax credit and any local rebates or incentives, which can significantly reduce your net cost. Your loan can cover the gross cost, and you can use tax credits to pay down the loan balance faster. Many homeowners find that their monthly loan payment is comparable to, or even less than, what they were previously paying for electricity.

Loan amount: $2,000 – $50,000
APR: 7.99% – 35.99%
Term: 24 mo – 84 mo

Your actual APR depends on credit score, loan amount, loan term, and credit usage & history. The availability of a loan and its terms are subject to the lender's approval.

Find Your Best Rate

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Personal Loans vs. Other Solar Financing Options

When planning to add solar to your trailer home or double wide, you have several financing avenues. While options like installer financing or a secured loan exist, a personal loan often provides the most straightforward path for manufactured home owners. Understanding the differences is key to making the right choice for your financial situation.

Financing Options for Manufactured Home Solar

	Personal Loan	Installer Financing	Secured Loan / HELOC
Collateral Required?	No, it's unsecured	Sometimes (UCC lien on equipment)	Yes, your home & land
Land Ownership	Not required	Usually not required	Required, home must be real property
Funding Speed	Fast (1-3 business days)	Varies by installer	Slow (weeks to months)
Flexibility of Funds	High (can cover any project cost)	Low (tied to specific installer/equipment)	High, but more complex process

Eligibility for a Mobile Home Solar Loan

What Lenders Typically Look For

Credit Score: A score of 600 or higher is generally preferred. Applicants with higher scores often qualify for lower interest rates.
Verifiable Income: Lenders need to see a steady source of income to ensure you can comfortably make your monthly payments.
Debt-to-Income (DTI) Ratio: Your total monthly debt payments (including the potential new loan) should be a reasonable percentage of your gross monthly income, typically under 40-50%.
Home Ownership: You must own the manufactured home, even if you lease the land it sits on in a mobile home park.
Stable Residence History: A consistent address history can demonstrate stability to lenders.

If your credit profile is borderline, you may be able to strengthen your application by adding a co-applicant with a stronger financial history. Checking for errors on your credit report and paying down existing debts before applying can also improve your chances of approval and help you secure a better rate.

Ready to go solar? Get your personalized loan offers now.

Find out what you qualify for in just a few minutes.

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Frequently Asked Questions

Mobile Home Solar Loan FAQs

Can I get a solar loan if I live in a mobile home park and don't own the land?
Yes, absolutely. This is a primary reason why unsecured personal loans are an excellent fit for this situation. Since the loan is not secured by the property, lenders are focused on your personal financial standing, not your land ownership status. You will, however, need to get permission from the mobile home park management to install the panels, so be sure to check your park's rules and regulations first.
How does my mobile home's age affect my ability to get a solar loan?
For an unsecured personal loan, the age of your mobile home is not a direct factor in the loan approval decision. Lenders are underwriting you, the borrower. However, the age and condition of your roof are critical for the solar installation itself. Before applying for a loan, it's wise to have a solar installer assess your roof to ensure it has the structural integrity to support the weight of the panels for the next 20-25 years.
Will a personal loan for solar panels cover installation and permit costs too?
Yes. A personal loan provides a lump sum of cash that you can use for all project-related expenses. This includes the solar panels, inverters, racking, wiring, professional installation labor, municipal permits, and any necessary electrical upgrades. Be sure to get a detailed quote from your installer to request an accurate loan amount.
Are there unsecured loan options specifically for financing solar on a double wide?
While there isn't a loan product named the "double wide solar loan," an unsecured personal loan perfectly serves this purpose. The financing is not tied to the type of home, whether it's a single wide, double wide, or modular prefab home. You can use the funds from a personal loan to install a solar system on any type of manufactured housing you own.
What credit score is needed for a mobile home solar loan?
Most lenders in our network look for a minimum credit score in the 600-640 range. However, some partners may consider applicants with scores slightly below this. A higher credit score (700+) will generally give you access to more competitive interest rates and better loan terms. Checking your rate with us is a soft inquiry and won't hurt your score, so it's the best way to see what you may qualify for.
Can I use a personal loan to add a solar battery backup for my prefab home?
Yes. The flexibility of a personal loan allows you to finance an entire solar-plus-storage system. If you want the security of a battery backup to provide power during grid outages, you can include the cost of the battery and its installation in your total loan amount. This allows you to finance the complete, resilient energy system you want in a single transaction.

Ready to power your home?

Personal loan disclosure

Money Savvy is not a lender. We are a marketing service that connects consumers with participating lenders. Rates, amounts, and terms vary by lender, your credit history, and other factors.

Loan amounts: $1,000 – $100,000
Repayment terms: 3 – 84 months
Min APR: 5.99%
Max APR: 35.99%
Origination fees: 0% – 10% of the loan amount
Late fees: May apply; vary by lender

Representative example: A $10,000 loan with a 36-month term at an 18.99% APR would have an approximate monthly payment of $366.39 and a total cost of $13,190.04, including interest and a $500 origination fee.

Your actual APR depends on your credit score, income, and other factors. Only borrow what you can afford to repay.

California residents: California Financing Law disclosures available upon request.