For years, hidden loan fees have quietly inflated the cost of solar. loanTERRA is changing that by putting informed homeowners at the center of how the market grows.

Early access is now open for solar homeowners, consumers planning a project, installers committed to transparent pricing, and lenders interested in joining our network.

If You Already Have Solar, You’ve Been Through the Hardest Part

Solar financing can be one of the most confusing and opaque consumer loan transactions. More than 5 million households in the U.S. have installed solar.

Most of them:
– Sat through multiple installer sales pitches
– Compared several financing options
– Made the best decision they could based on the information available
– And may only now be discovering that thousands of dollars in hidden “dealer fees” were quietly baked into their loan

That experience shouldn’t just be a cautionary tale. With loanTERRA, it becomes a hard-won asset.

How Referrals Work

To participate, you need to have solar installed at your property and complete a simple verification step. From there, here’s how it works:
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– You refer friends, family, or neighbors who are considering solar
– You share a unique referral link or QR code, tied only to you
– They get access to transparent, no-hidden-fee financing before choosing an installer
– When your referrals install solar using loanTERRA financing, you earn referral compensation for helping them avoid inflated loan costs and hidden fees.

The referral link and QR code make it easy to share — by text, email, or in person — while ensuring referrals are accurately attributed to you.

No tracking or follow-ups required

Once you make a referral, everything else is automatic. When a referred installation funds, the system checks for eligible referrals and sends referral compensation electronically to your bank account.

This is not influencer marketing and there are no affiliate links or gimmicks. It’s peer-to-peer referrals powered by people who already understand how solar financing really works.

You’re not selling anything.
You’re helping someone avoid a bad financial outcome — and getting paid for it.

How the Marketplace Works

The loanTERRA marketplace brings together homeowners, lenders, and installers in a single, consumer-first platform designed to eliminate hidden fees and reduce industry marketing costs.

The marketplace includes:
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Consumer-initiated loan pre-approval
Homeowners can understand their financing options upfront, before engaging with installers, and negotiate as a cash-price buyer.
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The consumer-to-consumer referral platform
Solar homeowners make informed recommendations that help others avoid hidden loan fees and deceptive financing practices.
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A large and growing network of transparent installers
Installers committed to fair pricing gain access to motivated, informed solar consumers without relying on inflated financing schemes.
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Behind the scenes, referral compensation is funded by lender marketing budgets — not higher loan costs — helping lower the real cost of solar.

Why This Model Matters

For years, solar financing has worked the same way:
– Opaque loan structures
– Inflated prices
– Consumers paying more without knowing why loanTERRA flips that model.
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Instead of hiding costs inside financing, the marketplace rewards transparency, informed referrals, and fair pricing — creating a better outcome for homeowners, lenders, and installers alike.

What Comes Next

Early access is now open for:
– Solar homeowners who want to refer others
– Consumers planning a solar project
– Installers committed to transparent pricing
– Lenders including credit unions and community banks, dedicated to fair and transparent lending

As the marketplace rolls out, early participants will be the first to access new features, referral tools, and financing options.
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