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Pay monthly finance for solar, battery, boilers and heat pumps

UKEM offers FCA-regulated pay-monthly finance on solar, battery storage, heat pumps and boilers. Spread the cost at 9.9% APR Representative over up to 15 years with no deposit, or take 0% interest-free credit over 12 to 24 months on battery storage with a 25% deposit, and over 12 to 36 months on selected boilers with a deposit from 20%. Both options use fixed monthly payments, and we handle the paperwork.

From

£42/mo

£3,930 over 15 years at 9.9%APR Representative

FCA regulated
Get your exact figure
Get a quote Call 0800 222 9494
9.9%APR
Representative, solar, battery, boilers & heat pumps
0%
Battery storage & selected boilers
Up to 15 years
Flexible repayment terms
No deposit
On Pay Monthly Finance
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Finance options

How much will I pay each month?

You can always pay in full at the quoted price. If you prefer to spread the cost, there are two finance options below. Pay Monthly Finance needs no deposit; Interest Free Credit includes a deposit. Credit subject to status and affordability.

Pay Monthly Finance

9.9%APR Representative
Solar, battery, boilers & heat pumps

Fixed monthly payments on solar panels, battery storage, heat pumps, and boilers over 4 to 15 years. You pick the repayment term and the rate stays the same for the full agreement. Interest is charged on this option.

  • Terms from 48 to 180 months
  • Fixed interest rate for the full term
  • No deposit required (optional up to 50%)
  • Option to make overpayments at any time

Representative Example

Cash price£5,000
Deposit£0
Amount of credit£5,000
120 monthly payments of£65.80
Rate of interest9.90% p.a. fixed
9.9%APR Representative
Total charge for credit£2,895.86
Total amount payable£7,895.86

Illustrative example based on a 10-year term. Terms available from 48 to 180 months. Available on solar, battery storage, boilers and heat pumps. Your monthly payment and total payable will vary depending on the term and installation cost.

Interest Free Credit

0%
Battery storage & selected boilers

Pay a deposit up front, then clear the rest of the cash price in equal monthly instalments with zero interest. Battery storage runs over 12 to 24 months; selected boilers over 12, 24 or 36 months.

  • 12 to 24 months on batteries; 12 to 36 on selected boilers
  • No interest charged at any point
  • Deposit included: 25% on batteries, 20% to 40% on boilers
  • Total payable equals the cash price

Worked Example

Cash price£5,000
Deposit (25%)£1,250
Amount of credit£3,750
24 monthly payments of£156.25
Rate of interest0% p.a. fixed
Total charge for credit£0
Total amount payable£5,000

Illustrative example based on a battery installation over a 24-month term with the 25% deposit. Battery storage runs over 12 to 24 months with a fixed 25% deposit; selected boilers over 12, 24 or 36 months with a 20%, 30% or 40% deposit respectively. You can choose to pay a larger deposit, up to 50%. Your monthly payment will depend on your installation cost, deposit and chosen term.

What can I finance?

Which home energy products can I finance?

The 9.9%APR option covers all five. 0% interest-free credit is available on battery storage and selected boilers, with a mandatory deposit.

Solar Panel & Battery Storage

Finance a full solar and battery system. Most installations pay for themselves in 7 to 10 years through energy savings.

9.9%APR Representative 4-15 years

Solar Panels

Finance a solar-only system. Generate your own electricity and cut daytime grid costs, with the option to add a battery later.

9.9%APR Representative 4-15 years

Battery Storage

Add a home battery to new or existing solar. Store off-peak or surplus power and use it through the evening peak. 0% runs over 12 to 24 months with a 25% deposit.

9.9%APR Representative 4-15 years
0% Interest free 12-24 mth

Air Source Heat Pump

Finance a heat pump and combine it with the BUS grant (up to £9,000 until 31 March 2027) to reduce the amount you borrow.

9.9%APR Representative 4-15 years

Gas Boiler Replacement

Fixed monthly payments at 9.9%APR Representative, or 0% interest-free credit over 12, 24 or 36 months on some boilers, with a 20%, 30% or 40% deposit by term.

9.9%APR Representative 4-15 years
0% Interest free 12-36 mth
Before you apply

Who can apply for finance, and what happens next?

Who can apply

You must be over 21, a UK resident and homeowner, and able to make regular monthly repayments from the lender's eligible source of income. Getting an install quote does not run a credit check. When you apply for finance, online or with our team, the lender runs a full credit check as part of the application, which is recorded on your file. No deposit is required on Pay Monthly Finance (optional up to 50%); the 0% option includes a mandatory deposit. The minimum finance amount is £1,000 and the maximum is £25,000.

Is UKEM finance FCA regulated?

Your finance is arranged through an FCA-authorised credit broker. You have a 14-day cooling-off period after signing and full consumer protections. If you have a complaint about your credit agreement, raise it with the lender first; if you remain unsatisfied, you can escalate free of charge to the Financial Ombudsman Service. Independent guidance on credit agreements is available from MoneyHelper.

How quickly will I get a finance decision?

You can apply online for an immediate decision, or we can take you through it. Most applications complete in a few minutes, with a same-day outcome in most cases.

Not approved? Other options available

Finance is subject to status and affordability, so not every application will be approved. If you are not successful, our team can discuss alternative payment arrangements.

Keep reading

Running costs & payback, product by product

Worked examples of what each system costs to run and when it pays for itself, useful reading before you pick a payment option.

A packed British seaside beach under clear blue skies on a hot summer day during the UK's sunniest year on record
News Are solar panels worth it in 2026? Record sunshine and a higher price cap Are solar panels worth it in 2026? Two numbers that landed within days of each other this summer sharpen the answer. The Met Office confirmed that 2025 was the UK's sunniest year since records began in 1910. And from 1 July 2026, the Ofgem price cap sets electricity at 26.11p a unit. One is about how much a system generates. The other is about what each of those units is worth. Both moved in the direction that… Read more

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Get a fixed price and see your monthly payment

Answer a few questions about your property and we will send you a fixed quote. From there you can pay in full or choose one of the two finance options above.

Get my free quote Call 0800 222 9494
Common questions

Finance questions homeowners ask us

What is the difference between the two options?

They are two separate finance products. The pay monthly option (9.9%APR Representative) is available on solar panels, battery storage, boilers and air source heat pumps, and lets you spread the cost over up to 15 years with interest and no deposit. The 0% interest-free option is available on battery storage over 12 to 24 months with a 25% deposit, and on selected boilers over 12, 24 or 36 months with a 20%, 30% or 40% deposit. You choose one or the other when you apply.

Is the 0% option really interest free?

Yes. With the 0% option, no interest is charged at any point during the agreement. The total you repay, deposit included, equals the cash price of your installation, with no arrangement fees added to the headline price. Available on battery storage and selected boilers, subject to status.

Will I need to pay a deposit?

It depends on the option. Pay Monthly Finance needs no deposit, though you can put down up to 50% to reduce your monthly payments. Interest Free Credit always includes a deposit: 25% on battery storage, and 20%, 30% or 40% on selected boilers depending on whether you repay over 12, 24 or 36 months. You can choose to pay more, up to 50%. The minimum finance amount after any deposit is £1,000. Terms are confirmed in your credit agreement before you sign.

When will my first monthly payment be taken?

Your first payment is normally collected by Direct Debit around one month after your installation is complete, not when you apply or when the agreement is signed. The exact date is confirmed in your credit agreement before you sign and commit.

Will applying affect my credit score?

No for a quote alone; yes if you apply for finance. Getting an installation price doesn't touch your credit file. A full finance application runs a credit check recorded on your file, and only happens once you choose regulated credit. This is standard for any regulated credit agreement.

Can I pay off the finance early?

Yes. You can settle either agreement early at any time. On the 0% option you simply pay the remaining balance. On the 9.9%APR option you may save on interest by settling early. You can also make overpayments at any time to reduce the outstanding balance.

Who provides the finance?

UK Energy Management Group Ltd is an Introducer Appointed Representative of Shermin Finance Limited, trading as STAX, which is authorised and regulated by the Financial Conduct Authority. Shermin Finance Limited acts as a credit broker, not a lender. Full details of the lender will be provided as part of your credit agreement.

Can I combine finance with a government grant?

Yes. If you are eligible for a grant such as the Boiler Upgrade Scheme, the grant amount is deducted from the total cost first. You can then finance the remaining balance using either option. See our grants advice hub for current schemes.

How much can I borrow?

The minimum loan amount is £1,000 and the maximum is £25,000, covering most residential installations we quote. If you pay an optional deposit, the financed amount after the deposit must still be at least £1,000. Your quote shows the cash price so you can see what fits within those limits before applying.

What if I have a complaint about my finance?

If your complaint relates to the credit agreement, raise it first with the lender named on your agreement. If you are still not satisfied with their final response, you can escalate free of charge to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk or 0800 023 4567. The FOS is independent and its findings may differ from those of TrustMark, the Consumer Protection Association, or RECC, which cover the installation rather than the credit.

Read the full finance FAQ for APR, eligibility, and representative examples.

Homeowner at home using a smartphone with a debit card, reviewing payment options