Solar Resolution Advocates

Arizona solar loan help

Can you cancel a solar contract in Arizona?

Yes, for a short time after you sign. Arizona's solar law requires every agreement to buy or lease a rooftop solar or battery system to let you cancel for at least three business days after you sign, as long as the system isn't installed yet [1]. After that, your options depend on what you were told and what your contract says. That's why the disclosures below matter.

Updated · Solar Resolution Advocates

Your right to cancel in Arizona

Arizona's solar contract law, A.R.S. 44-1763, requires a sale or lease agreement for a distributed energy system to include a cancellation right that you separately acknowledge. It must let you cancel for at least three business days after you sign and before the system is installed [1].

A second law covers sales made at your home when the seller came without an invitation or appointment [2]. It lets you cancel until midnight of the third business day after you sign. You must deliver or mail written notice to the address the seller gave for cancellations [3]. Under that law, Sundays and federal holidays don't count as business days, but Saturdays do [3].

If you cancel a sale covered by that law, the seller must return your payments, any trade-in and any note you signed within ten business days of receiving your notice. Any security interest from the sale is also cancelled [4].

One more rule: if your agreement had blank spaces affecting the timing, value or obligations when you signed, you can choose to cancel it until the system is installed [1].

What your Arizona solar contract had to include

Arizona law lists what a solar sale or lease agreement must include [1]. If yours is missing any of these, note it before your consultation:

  • The total price or total cost over the life of the agreement, plus any interest, installation, document or service fees, in bold type and separately initialed by you [1].
  • A notice in bold capital letters that utility rates can change, projected savings may change, and tax incentives can change or end [1].
  • A short explanation of how any savings estimate was calculated: the utility rates used, any assumed rate increase, estimated production, and the status of payment for power you send to the grid [1].
  • The warranty periods for the system, its major parts and the labor, in bold type and initialed by you [1].
  • A summary of the estimated cost to maintain and operate the system over its life [1].

Savings claims and lease payments

In Arizona, any document or sales presentation claiming the system will save you money must back up the method used to calculate those savings [1].

If you lease, your monthly lease payments can't start until your utility gives permission to operate and the system is energized and interconnected [1].

The Sunrun and Vivint settlement in Arizona

In May 2025, the Arizona Attorney General and Sunrun and Vivint Solar entered a court-approved consent agreement. The state alleged Consumer Fraud Act violations in solar sales from about 2009 to 2023. The companies denied the allegations and admitted no wrongdoing [5].

The agreement set aside $600,000 for restitution to Arizona consumers through complaints made to Sunrun within two years of May 22, 2025 [5]. The Attorney General says eligible consumers may receive restitution, repairs or a change to their service contract. They must file their complaint with Sunrun by email [6].

Other enforcement in Arizona

In July 2023, the Attorney General sued Vision Solar, the lead company Solar Xchange and its owner. The lawsuit alleged false or unsupported savings claims, telemarketers claiming ties to a utility or the government, and Do Not Call violations [7]. Solar Xchange and its owner settled. The Attorney General's announcement describes a partly suspended $13.8 million civil penalty [7].

Export credits and the savings you were promised

Arizona's utility regulator sets what utilities pay for the extra power your system sends to the grid. Under the current method, a customer keeps the export rate in effect when they applied to connect for up to 10 years. The rate offered to new applicants can't drop more than 10 percent a year [8].

If your savings estimate assumed a higher or fixed export rate, compare it with what your utility actually pays you.

If the cancellation window has passed

Most homeowners we talk to are well past the first few days. That doesn't end the question. Many consumer loan contracts include a federal notice required by the FTC Holder Rule. It makes whoever holds your loan subject to the claims you have against the seller, with recovery capped at what you've paid [9]. Whether it applies depends on your loan papers.

Keep making your payments while you sort it out. Start with the cheapest fixes, like a call to your loan servicer or a warranty claim, and bring your contract to a free consultation.

Where to complain or check a license in Arizona

This is general information, not legal advice.

Laws change, and whether a rule applies depends on your contract and the facts. Solar Resolution Advocates is not a law firm. For advice on your situation, talk to a licensed Arizona attorney.

Sources

  1. [1] A.R.S. 44-1763, distributed energy generation system agreements and disclosures
  2. [2] A.R.S. 44-5001, home solicitation sale definitions
  3. [3] A.R.S. 44-5002, cancellation period and method
  4. [4] A.R.S. 44-5004, agreement requirements and notice of cancellation
  5. [5] State of Arizona v. Sunrun Inc. and Vivint Solar, Inc., stipulated consent agreement (May 22, 2025)
  6. [6] Arizona Attorney General: Sunrun consumer page
  7. [7] Arizona Attorney General: lawsuit against a residential solar company and telemarketer (July 2023)
  8. [8] UNS Electric: Resource Comparison Proxy export rate
  9. [9] 16 CFR 433.2, FTC Holder Rule

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