Yeah, it'll vary a lot by location and time of year (end of year demand is highest for incentives). Unfortunately, loans aren't quite what they were when I got

Yeah, it'll vary a lot by location and time of year (end of year demand is highest for incentives). Unfortunately, loans aren't quite what they were when I got solar over a year ago, 0.99% APR was one of my offers with the lowest cost quote. >10 year payback is quite high, mine is 4-5 years (not accounting for inflation or annual increases in electricity costs).