The cost of solar panels and installation can be high, averaging nearly $30,000 in 2025. Tax incentives can help, but in most states you’re still looking at an average solar installation cost over $20,000 even after tax incentives are applied. If you need a loan to cover the expense, using your home’s equity is a good place to start. But if you haven’t built up sufficient equity or would rather not tap it, a personal loan can be a good replacement. LightStream is our pick for the best...