Can you get out of a solar loan in Florida?
Often, yes. Whether you can cancel or dispute your loan turns on how it was sold and what you were told, and Florida gives you several overlapping tools: a cooling-off right to cancel, a requirement that in-home salespeople be permitted, and FDUTPA — which reaches deceptive sales even after the panels are installed. You don't need to know which one fits; a free review of your documents will tell you.
A Florida-specific edge: your in-home salesperson was required to hold a Home Solicitation Sale Permit (Fla. Stat. § 501.022). If they didn't, the sale is often voidable — even past the 3-day window.
Why Florida homeowners have leverage
- A 3-day right to cancel. Under Florida's Home Solicitation Sales Act (§ 501.025), a sale over $25 made at your home can generally be cancelled within 3 business days — and if the seller didn't give proper written notice of that right, the clock may never have started.
- The salesperson-permit rule. In-home sellers must be permitted (§ 501.022); an unpermitted sale is often voidable.
- FDUTPA. Florida's Deceptive and Unfair Trade Practices Act (§ 501.204) bars unfair or deceptive practices and applies even after installation — the state's main post-install tool.
- Licensing. Solar work requires a properly licensed contractor (DBPR / CILB); an unlicensed installer is a serious problem for the deal.
Grounds to cancel or dispute a Florida solar loan
A defective or missing cancellation notice
If your contract didn't clearly disclose your 3-day cancellation right, that window may still be open well past the original three days.
An unpermitted in-home salesperson
If the person who sold you the system lacked a county Home Solicitation Sale Permit, the sale is often voidable.
FDUTPA deceptive practices
Guaranteed-savings claims, a misrepresented tax credit, a disappearing bill, hidden fees, or high-pressure tactics can each support a FDUTPA claim — even after installation.
Hidden dealer fees & TILA violations
A large dealer fee baked into your financed amount without clear disclosure — the issue behind the lawsuits against GoodLeap, Mosaic, Sunlight, and Dividend — can support both a misrepresentation and a Truth in Lending Act claim.
An unlicensed contractor
If the company that installed your system wasn't properly licensed, that can undermine the contract.
A UCC-1 lien or an underperforming system
A lien blocking your sale or refinance, or a system that never produced what you were promised, can each support a dispute.
