GoodLeap Complaints Arizona (2026): Hidden Fees, Cancellation Problems & Your Rights

When an Arizona homeowner in the East Valley signed a GoodLeap solar loan in 2024, she thought she was financing $32,000 worth of solar panels. What she didn't know — and what GoodLeap never told her — was that nearly $9,000 of that loan was a hidden "dealer fee" paid directly to the installer. She never saw the panels perform as promised, the installer stopped answering calls, and GoodLeap kept demanding payment. Her story is not unique: Arizona has become one of the hottest markets for solar loan complaints in the country.

What Arizona Borrowers Are Reporting

Arizona is the third-largest solar market in the United States, and GoodLeap — the nation's largest solar loan lender, formerly known as Loanpal — has financed tens of thousands of Arizona installations. With that scale comes an outsized complaint volume. The CFPB has received over 890 complaints against GoodLeap nationally, and Arizona borrowers represent a disproportionate share of those filings.

The most consistent complaints from Arizona homeowners include: loan payments starting before panels were even connected to the grid, loan balances that were 25–30% higher than the quoted system price, installers who disappeared or filed for bankruptcy mid-project (leaving borrowers with unfinished rooftop installations and a live loan), and customer service that refuses to pause or cancel payments regardless of circumstances.

Several Arizona-based installation companies that partnered with GoodLeap have closed their doors in the past two years. When an installer goes bankrupt, GoodLeap typically continues collecting loan payments — even if the system was never completed or has never generated a kilowatt of power. Borrowers who try to cancel are often told they must "work it out with the installer," even when that installer no longer exists.

The Hidden Dealer Fee Problem

The single biggest complaint driving Arizona borrowers to attorneys and regulatory agencies is GoodLeap's dealer fee structure. Here's how it works: when a solar installer closes a deal using GoodLeap financing, GoodLeap pays the installer an upfront fee — typically 25–30% of the total loan amount. That fee is immediately rolled into the borrower's principal balance. The homeowner never sees this as a line item. They're told they're financing $35,000 in solar equipment, but $8,750 of that balance is a financing fee the installer already pocketed.

This means Arizona homeowners are, in effect, taking out a loan to pay their lender's fee to their installer — without knowing it. Our guide to GoodLeap dealer fees explained breaks down the math in detail and shows you how to find the dealer fee buried in your loan documents. You can also use our tool on how to check your solar loan dealer fee to calculate what you were charged.

The GoodLeap loan agreement discloses the total financed amount but does not separately itemize the dealer fee as a cost to the borrower. Consumer advocates and plaintiff attorneys argue this omission violates the spirit — and potentially the letter — of Arizona's truth-in-lending requirements and the Consumer Fraud Act.

Your Legal Rights in Arizona

Arizona homeowners have meaningful legal tools available. The Arizona Consumer Fraud Act (ARS § 44-1522) prohibits deceptive acts, misrepresentations, and omissions of material facts in connection with consumer transactions. If GoodLeap or your installer concealed the true cost of your loan, failed to disclose the dealer fee, or misrepresented what your solar system would produce, that conduct may constitute a violation of ARS § 44-1522 — giving you a private right of action for damages, attorney's fees, and injunctive relief.

For door-to-door solar sales specifically, Arizona law provides a 3-day right of rescission. If a salesperson came to your home unsolicited and you signed a contract, you had three business days to cancel without penalty. If you weren't told about this right — or were pressured to waive it — that's a separate violation.

The federal FTC Holder Rule is one of the most powerful tools Arizona borrowers have. It requires that consumer credit contracts — like your GoodLeap loan — include language allowing you to assert against the lender any claims or defenses you have against the seller. In plain English: if your installer defrauded you, you can raise that fraud as a defense against GoodLeap's demand for payment. This applies even if GoodLeap had nothing to do with the installer's misconduct. Visit our Arizona solar loan rights page for more detail on state-specific protections.

What to Do Next

If you're dealing with a GoodLeap problem in Arizona, here's a practical roadmap:

Step 1 — Document everything. Gather your original solar contract, the GoodLeap loan agreement, all emails and texts with the installer, your utility bills before and after installation, and any performance monitoring data for your system. If your installer is no longer responding, document that too.

Step 2 — File regulatory complaints. File with the CFPB at consumerfinance.gov/complaint, with the Arizona Attorney General's Consumer Protection and Advocacy Section at azag.gov, and with the BBB. These complaints create an official record and sometimes trigger lender responses that private demands do not. See our broader overview of GoodLeap solar loan complaints in 2026 for complaint filing tips.

Step 3 — Get a free legal review. Solar loan law is specialized, and the facts of your case matter enormously. BreakYourSolarContract.com offers free case reviews for Arizona homeowners dealing with GoodLeap. An attorney experienced in solar consumer fraud can tell you whether your dealer fee disclosure, your right of rescission, or the FTC Holder Rule gives you viable grounds for relief — and what that relief might look like.

Arizona's solar boom has benefited many homeowners — but for those caught in GoodLeap's web of hidden fees and failed installers, the promise of clean energy has turned into a financial nightmare. You have rights. Use them.