GoodLeap solar loan problems: how to dispute it yourself
GoodLeap is a lender, not an installer. If the sale or the system went wrong, the loan is usually where your leverage is.
SolarExitDIY is independent and is not affiliated with, endorsed by, or sponsored by GoodLeap. This page is general education, not legal advice. Last checked: November 11, 2026.
Where things stand
March 2024
The Minnesota Attorney General sued four solar lenders, GoodLeap, Sunlight Financial, Solar Mosaic and Dividend Solar Finance, alleging that fees were hidden in the price of financed solar systems. These are allegations; check the current status of the case.
Source: Goodwin Law (opens in a new tab)
In the Freedom Forever bankruptcy, a published case summary lists GoodLeap among the finance companies the court allowed to hire other contractors to complete stranded installations.
Who you actually owe
GoodLeap (or the holder it services for) is owed the loan. The installer was a separate company that was paid at the start.
Stopping payments can damage your credit and trigger default. The kit explains how to dispute in writing while you stay current.
What homeowners in this situation usually need to sort out
- A financed price well above a cash price, which can point to a dealer fee.
- A payment increase after about 18 months.
- An incomplete or underperforming system you are already paying for.
- A UCC filing that surfaced during a sale or refinance.
What you can do yourself this week
- Download and save every document while you still can: contract, loan or lease agreement, disclosures, proposal, e-sign certificate, and utility bills from before and after installation.
- Work out whether you have a loan, a lease or a PPA, and who you send payments to.
- Send a written document request so you have the complete file.
- Compare what you were promised with what the paperwork says and what the system produces.
- Put your dispute in writing to the right party and keep proof of delivery.
- File complaints with the CFPB, your state attorney general and the contractor licensing board where they apply.
- Ask in writing for your full loan file and the amount actually disbursed to the installer.
- If your installer has closed, ask the lender in writing what it will do about an incomplete or non-working system.
Which parts of the kit apply
- Basics Kit: The document request letter and the complaint filing steps.
- Complete Kit: The Holder Rule notice to your lender, the dealer fee worksheet, and the notice of dispute and demand.
If you would rather have someone read your paperwork, the Personalized Contract Audit gives you a written findings report on your own documents.
When to call a lawyer instead
- A foreclosure or collection lawsuit has been filed against you.
- You believe your signature was forged.
- There is active roof or electrical damage.
- A deadline in a bankruptcy or court notice is close.
- The amount in dispute is large and the company is represented by a lawyer.
In those cases the kit is not a substitute for a lawyer. Speak with a licensed attorney in your state.