I used a low interest home equity loan from my credit unit 8 years ago to finance my panels. I believe energizect.com also has low interest loans. Every month for the 6 years it took to pay off my panels my monthly payment was less than or equal to my average Eversource bill. My Eversource bill has been just the $9.62 connection charge since I installed them. I basically paid my credit union for 6 years instead of Eversource. You may also be able to deduct the interest on the home equity loan when you do your taxes.