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The answer
Checked October 20, 2026: Sungage Financial is not the lender. Most Sungage loans made from April 2025 on are issued by Hatch Bank and serviced by Launch Servicing; most earlier loans are with NBT Bank.[4] Sungage says there is no prepayment penalty and that its loans are secured by the solar equipment, with no lien taken on the home.[2]
Our partner Solar Exit Group (Uso Holdings LLC) takes solar loans from any lender except Tesla. No cost to submit. Paid partner; it does not change our ratings.
Who is my lender on a Sungage loan?
Sungage says it "is not the lender for any of the products offered in our portal" and that loans available through Sungage are issued by Hatch Bank, a California-chartered industrial bank.[1] Its homeowner FAQ adds that Sungage Financial is not a bank and does not lease systems.[2]
Older loans differ. Sungage's guide for homeowners who move says most loans from April 2025 onward are with Hatch Bank (serviced by Launch Servicing) and most loans before April 2025 are with NBT Bank. You can confirm yours in your loan documents in the Sungage Homeowner Portal.[4]
Sungage Financial contact details
From Sungage's site
- Phone: 844-SUNGAGE (844-786-4243). Monday to Friday 9:00 a.m. to 10:00 p.m. Eastern; Saturday 10:00 a.m. to 7:00 p.m. Eastern.
- Email: CustomerService@SungageFinancial.com
- Mail: Sungage Financial, 38 Chauncy Street, Floor 6, Boston, MA 02111
- Hatch Bank loans, payoff quotes: 877-742-2701 or the Sungage Payment Portal
- NBT Bank loans, payoff quotes: solarloanservice@nbtbank.com
- Loan transfers (both banks): loantransfer@sungagefinancial.com
What the Sungage lien covers
Sungage says its loan is secured by the solar equipment. "No lien is taken on the home," but a lien on the newly installed solar energy system is recorded in the real property registry.[2] That recorded filing is what a title company will see when you sell or refinance, so you need it released after payoff.
Sungage loan payoff and lien release
- No prepayment penalty: Sungage says you can prepay at any time with no penalty.[2]
- Payoff quote: Hatch Bank loans, call 877-742-2701 or use the Payment Portal; NBT Bank loans, email solarloanservice@nbtbank.com. Sungage says to allow at least 30 days, and NBT emails a quote with the terms for releasing the equipment lien.[4]
After payoff, get the lien released. Under UCC Section 9-513, for consumer goods the secured party must cause a termination statement to be filed within one month after nothing is owed, or within 20 days after it receives your authenticated (signed or electronic) demand if that is sooner. State versions vary.[9] Our UCC lien removal guide has a demand letter.
Selling a house with a Sungage loan: three options
| Option | Hatch Bank loans | NBT Bank loans |
|---|---|---|
| 1. Pay off from sale proceeds | Payoff quote by phone or portal; Sungage calls this the best alternative for most homeowners | Email NBT to authorize the payoff |
| 2. Buyer rolls the balance into their mortgage or new financing | Same payoff quote | Title company or lender needs your written authorization |
| 3. Buyer assumes the loan | Credit application and review; seller pays a $500 non-refundable processing fee | New credit application with a hard pull; may carry a processing fee and a new market rate |
Allow about 30 days for each option.[4] Sungage does not finance pre-paid leases or PPAs, so these steps apply only to systems you own.[2] More: selling a home with solar.
Refinancing your mortgage? Sungage's FAQ says there are two options for handling the solar loan and points to its moving guide, but the version we read covers selling, not refinancing.[2][4] Ask Sungage before you lock a rate, and see refinance denied because of a solar loan.
Tax credit and paying down the loan
Sungage tells homeowners they can use savings and solar incentive proceeds to pay back the loan,[2] and its tax center links IRS Form 5695 for 2025.[5] The IRS says the Residential Clean Energy Credit covered property installed from 2022 through December 31, 2025 and is not available for property placed in service after that date.[6] The CFPB warns that many solar loans raise the payment at the 19th month if a tax-credit-sized prepayment is not made.[7] Check your agreement for any such feature.
Your options with a Sungage loan
- Pay off or refinance (no prepayment penalty). See solar loan refinance.
- Sell using one of the three options above.
- Raise installer problems with the loan holder. Consumer credit contracts arranged by a seller must carry the FTC Holder Rule notice, which says any holder of the contract is subject to the claims and defenses you could raise against the seller, and that your recovery cannot exceed what you paid under the contract.[8]
Complaints. The CFPB accepts complaints about personal loans (installment loans) and several other products; it says most companies respond within 15 days.[10] You can also file with your state attorney general. How-to: filing a CFPB complaint against a solar company.
We do not advise homeowners to stop making payments or breach contractual obligations. Missed payments can trigger late fees and other penalties under your loan agreement; a dispute is raised in writing while you keep paying.
Full guide: how to get out of a solar loan.
See if our partner Solar Exit Group can help. No cost to submit. Paid partner, disclosed.
Disclosure: We may earn compensation when you contact companies through our site. This does not change our ratings. Our partner for solar loans (all lenders except Tesla) and Sunnova PPAs is Uso Holdings LLC d/b/a Solar Exit Group; see authorized partners. SolarPanelExit.com is not affiliated with Sungage Financial, Hatch Bank, NBT Bank or Launch Servicing.
Frequently asked questions
Who is the lender on a Sungage solar loan?
A bank, not Sungage. Sungage says loans through its portal are issued by Hatch Bank; most loans from before April 2025 are with NBT Bank. Check your loan documents.
What is the Sungage Financial phone number?
Sungage lists 844-SUNGAGE (844-786-4243), Monday to Friday 9 a.m. to 10 p.m. Eastern and Saturday 10 a.m. to 7 p.m. Eastern, and CustomerService@SungageFinancial.com.
How do I get a Sungage payoff quote?
For Hatch Bank loans call 877-742-2701 or use the Sungage Payment Portal; for NBT Bank loans email solarloanservice@nbtbank.com. Allow at least 30 days.
Does Sungage charge a prepayment penalty?
No. Sungage says the borrower may prepay the loan at any time with no penalty.
Does Sungage put a lien on my house?
Sungage says no lien is taken on the home, but a lien on the solar energy system is recorded in the real property registry. It should be released after payoff.
Can my buyer take over my Sungage loan?
Possibly. The buyer must apply and pass a credit review. For Hatch Bank loans the seller pays a $500 non-refundable processing fee; NBT Bank transfers may carry a fee and a new market rate.
Still paying a solar loan (not Tesla) or a Sunnova PPA? See if our partner Solar Exit Group can help. No cost to submit. Paid partner; it does not change our ratings.
Sources
Checked October 20, 2026. Court dates, servicer details and contact information change; confirm on the linked primary source before you act.
- CompanySungage Financial, homepage (Hatch Bank issues loans)
- CompanySungage Financial, Homeowners and homeowner FAQs
- CompanySungage Financial, Contact us
- CompanySungage Financial, What happens to my solar system if I move?
- CompanySungage Financial, Tax center
- RegulatorIRS, Residential Clean Energy Credit
- RegulatorCFPB, Issue Spotlight: Solar Financing (August 7, 2024)
- Regulation16 CFR 433.2, FTC Holder Rule notice (Cornell LII)
- StatuteUCC Section 9-513, Termination statement (Cornell LII)
- RegulatorCFPB, Submit a complaint
Disclaimer: This page is not legal advice. It is general information, not legal or financial advice, and it does not create an attorney-client relationship. Results vary by individual situation. We do not advise homeowners to stop making payments or breach contractual obligations. Consult a qualified attorney licensed in your state before acting on your solar contract or loan. We may earn compensation when you contact companies through our site. This does not change our ratings. Solar Exit Group (Uso Holdings LLC) is a paid partner; see authorized partners. See our Ownership Disclosure, Advertiser Disclosure and Methodology.