Taking out a loan to do PV is not a good option (IMHO) UNTIL you have done other energy savings.
To best discuss this, what is your heating/AC system, what are the efficiencies and how much do you pay for each kWs of power.
Yes, PV has a 30% tax credit, but so too is that credit for insulation, windows and overall buttoning up of the house.
An analogy. Imagine a sieve. Water into the sieve isn't saved until you close the holes.
Close the holes.
Steve
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consulting on geothermal heating/cooling & rational energy use since 1990
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