Sunlight FinancialDefrauded You.We'll make it right.
If you signed a Sunlight Financial solar loan, you may have been charged thousands in hidden dealer fees — without ever being told. The Minnesota Attorney General sued Sunlight Financial in 2024. Bennett Legal is filing cases right now — not just in Texas, but across the country.
Government Actions Against Solar Lenders
Minnesota AG — 2024
Attorney General Keith Ellison sued Sunlight Financial, GoodLeap, Solar Mosaic, and Dividend Solar for $35M in hidden dealer fees on 5,000+ loans — fees lenders contractually prohibited installers from disclosing.
Read the complaintNew York AG — 2026
AG Letitia James sued Attyx and six solar lenders — including Sunlight Financial — alleging predatory door-to-door sales targeting low-income New Yorkers with inflated loan amounts, forged signatures, and systems that were never installed.
Read the complaintFederal / CFPB — 2024
The Consumer Financial Protection Bureau spotlighted solar loan fraud in its 2024 Consumer Response Report, documenting nationwide patterns of hidden fees, misrepresented loan terms, and lien placement without homeowner knowledge — the same conduct at the heart of our cases.
Read the complaintThe Scale of the Fraud
These aren't allegations.
These are facts on the record.
Hidden fees charged to consumers in one state alone
Minnesota Attorney General, 2024
Solar loans impacted in the Minnesota AG action
Hennepin County District Court
Average cost inflation caused by hidden dealer fee
Per the MN AG complaint
Surge in solar fraud complaints nationally
Bennett Legal tracking data
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How They Did It
The Sunlight Financial
Fraud Playbook
Our investigation and active arbitration cases have identified recurring fraud patterns used by Sunlight Financial dealers and their lender. If any of these happened in your transaction, you may have a viable claim.
Salesman Used His Own Device
In documented cases, the Sunlight Financial dealer's salesman used his own mobile device to complete all digital signatures — without giving the homeowner an opportunity to read, review, or meaningfully consent to the documents they were signing.
Sales Conducted Entirely in Spanish
Spanish-speaking homeowners were targeted with sales presentations delivered entirely in Spanish. English-only contracts were then placed in front of them for signature — creating a deliberate language gap that concealed the true cost, terms, and dealer fees buried inside.
Hidden Dealer Fee Inflating the Price
Sunlight Financial built a hidden dealer fee into the loan principal — typically adding 15% to 30% to what homeowners were told the system would cost. This fee was never disclosed at the point of sale, never shown in proposals, and never explained by the installer. You paid it without knowing it existed.
System Never Properly Powered or Installed
Multiple homeowners were left with solar systems that were never correctly energized, never connected to the grid, or never completed — yet Sunlight Financial received full payment and began collecting loan payments immediately. The loan obligation runs even when no electricity is being generated.
False 'Zero Cost' Promises
Salespeople promised homeowners the solar system would pay for itself through energy savings — effectively making it 'free.' These promises were false. The inflated loan balance, combined with a system that often underperforms or was never fully installed, has left families worse off financially.
Predatory Liens on Your Home
The Sunlight Financial loan is secured by your property. If you default — even because the system never worked — Sunlight Financial can place a lien on your home. Families who were defrauded now face the threat of losing equity or their ability to sell or refinance.
Your Parents Were Targeted — and So Is Their Home
Sunlight Financial dealers specifically targeted elderly homeowners on fixed incomes — people who believed a 'free solar' pitch would lower their retirement expenses. If your parent signed a Sunlight loan they didn't fully understand, that lien now sits on their home. It can block a sale, complicate an estate, and threaten what your family expected to inherit. Adult children dealing with this situation have standing to pursue claims.
Government Enforcement
The State of Minnesota
already proved it.
On March 8, 2024, Minnesota Attorney General Keith Ellison filed suit against Sunlight Financial, GoodLeap, Solar Mosaic, and Dividend Solar Finance — alleging they collectively charged consumers $35 million in undisclosed hidden fees on more than 5,000 Minnesota solar loans.
The AG's complaint alleges the companies violated Minnesota's Deceptive Trade Practices Act, Deceptive Lending laws, and usury statutes. Critically, the complaint documents that lenders contractually prohibited installers from disclosing the dealer fee to customers — a deliberate concealment scheme.
Texas homeowners have the same claims under Texas law. The patterns the MN AG documented — hidden fees, false low-interest promises, prohibited disclosure — are identical to what we see in our Texas cases.
Read the Full MN AG Complaint (PDF)Date Filed
March 8, 2024
Filed By
MN Attorney General Keith Ellison
Court
Hennepin County District Court (now federal)
Defendants
Sunlight Financial, GoodLeap, Solar Mosaic, Dividend Solar
Alleged Damages
$35 million in hidden fees
Consumers Affected (MN)
5,000+ loans since 2017
Sunlight's MN Loans
$75,077,388 to 2,162 MN consumers
Violations Alleged
Deceptive trade practices, deceptive lending, illegal interest
Why Bennett Legal
We don't settle for less
than you deserve.
Active Sunlight Cases
We are currently litigating Sunlight Financial cases in JAMS arbitration right now. We know the documents, the defenses, and the patterns — because we've already taken them on.
Network of Experts, Low Costs
We leverage a national network of solar engineers, forensic accountants, and consumer fraud experts to build strong cases efficiently. Depending on your situation, you may qualify for no-upfront-cost representation. We work to keep your out-of-pocket exposure as low as possible.
Spanish-Language Service
Many Sunlight Financial victims were sold in Spanish. Our team can handle your case entirely in Spanish from consultation through arbitration.
Our Edge
The AGs sue in court.
We go straight to arbitration — and win faster.
Most solar fraud victims are sitting on a contractual right they don't know they have: mandatory JAMS arbitration. That clause — buried in your loan agreement — is actually one of the most powerful tools available to you.
✕Class Action / AG Lawsuits
- -You are one of thousands — your individual facts don't drive the outcome
- -Cases take 3–7 years to resolve
- -Settlements average pennies on the dollar per claimant
- -You have no control over settlement terms
- -Attorneys general protect the public interest — not your specific loan
✓JAMS Arbitration with Bennett Legal
- ✓Your case is heard individually — your specific facts and damages matter
- ✓JAMS cases typically resolve in 12–18 months
- ✓You recover your actual damages, not a class share
- ✓Sunlight's loan agreement requires them to pay JAMS filing fees
- ✓Experienced JAMS arbitrators understand consumer fraud patterns
We have active Sunlight Financial cases in JAMS right now.
Bennett Legal has filed and litigated multiple Sunlight Financial arbitration cases through JAMS. We know the arguments Sunlight uses, the documents they produce in discovery, and the patterns that resonate with arbitrators. That institutional knowledge — built case by case — is something no attorney handling their first solar fraud case can match. When you hire us, you're not a test case. You're the beneficiary of everything we've already learned.
One homeowner. One solar loan.
Sunlight Financial relied on this homeowner not knowing her rights. Here's what Bennett Legal recovered when she called us.
$113,000
Solar loan cancelled in full
Sunlight Financial
$58,000
Cash paid to our client
Plus full credit repair
$170,000
Total financial recovery
UCC lien removed from her home
What Sunlight Financial agreed to:
- Cancel our client's $113,000 solar loan entirely
- Remove the UCC lien from her home
- Repair her credit
- Pay her $58,000 in cash
Past results do not guarantee future outcomes. Each case is evaluated individually.
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Don't let Sunlight Financial steal your money.
Every month you wait is a month of loan payments on a product you may have been defrauded into buying. Your case starts with one conversation.
Trademark Disclaimer: Bennett Legal is not affiliated with, endorsed by, sponsored by, or in any way associated with Sunlight Financial LLC or its successors. The name "Sunlight Financial" is used solely in a descriptive, factual context to identify the company against which Bennett Legal represents clients. This constitutes nominative fair use under applicable trademark law. This page is intended to provide truthful information to consumers about their legal rights. Nothing on this page constitutes legal advice or creates an attorney-client relationship. Past results do not guarantee future outcomes.