The dealer fee trap
Slide to see how dealer fees inflate your real loan balance.
Based on QuiqNest's transparent system pricing. Adjust to match your system size.
What you actually borrow
$37,588
Your $25,000 system plus a 50% dealer fee on the price of your panels.
What you thought you borrowed
$25,000
The number on the quote sheet.
Same fee, smaller-sounding number
Your $25,000 system, financed with a 50% dealer fee, becomes $37,588. Lenders call this 33% because they measure the fee against the inflated loan total, not the real price of your panels. Same dollars. We measure it against what your panels are actually worth.
The number you were never meant to see
Solar financing companies hand dealers a fee calculator marked internal use only, not to be shared with customers. The dealer fee is designed never to reach your eyes. There is no line item on your quote and nothing on your statement. By the time the loan funds, it is folded into your principal and invisible.
The November 2 catch
Under UAD 3.6, UCC-1 financed solar panels do not contribute to your home's appraised value. You paid the inflated balance. Your appraisal will not reflect any of it. With QuiqBridge™, you get Clear-Title Solar™ from the day it is installed.
Dealer fee shown as a percentage of your system cost. On loan documents it appears as seller's points measured against the financed balance, which makes the same fee look smaller. Based on industry-standard dealer fee schedules. 25 year term. Interest estimate uses the quoted rate applied to the dealer fee portion.