Propel (Concert Finance) — my top pick. Backed by the Enphase ecosystem (Enphase Care handles service), 30% off standard — up to 39.2% in energy community zips — automatic ownership transfer to YOU at year 5, no dealer fees, no prepayment penalty, no escalator, 25-year genuinely-fixed payment, great rates at 660+ FICO. Trade-offs: Enphase hardware required, credit check required. The discount of third-party ownership AND you end up owning it.
Participate Energy — the volume leader. Has essentially taken over the prepaid space: 30-35% off for most, powers CEA's Solar Plus ($0 down, NO credit check, payments on your utility bill). Trade-offs: availability depends on your CCA territory; Tesla equipment on the CEA program; minimum 25-year term. Best for: CEA-territory homeowners, especially anyone who can't pass a credit check elsewhere.
Maxwell Power (formerly HTM Financial) — veteran player. Longer prepaid track record than most, freshly recapitalized under the rebrand. Always worth a quote in the comparison stack.
Credit Human & local credit unions — the quiet backbone. Credit Human finances the loans behind many prepaid programs industry-wide; credit-union structure typically means the lowest real rates — at the cost of more paperwork and qualification steps. Best for: strong-credit homeowners squeezing every basis point.