Mosaic Solar Loan Complaints — What Borrowers Report Nationwide (2026)
Mosaic Solar loans fund systems that sometimes never work, from companies that sometimes disappear. The loan keeps running. Here is what Mosaic borrowers across the country report and what the FTC Holder Rule and CFPB can do for you.
Quick answer
Mosaic Solar loan complaints center on interest rates misrepresented at signing, dealer fee inflation, loans originated for systems that never functioned properly, and Mosaic continuing to collect after the solar installer went bankrupt. The FTC Holder Rule, TILA rescission, and CFPB complaints are the primary tools for Mosaic borrowers.
Mosaic Solar Loans — The Problem With Being Separate from the System
Mosaic Solar is a lending platform that funds loans for hundreds of solar dealers across the country. Its origination model is dealer-driven: the solar company brings the customer, Mosaic underwrites and funds the loan, the dealer gets paid at closing. Mosaic then services the loan for its full term, regardless of what happens to the solar company or the solar system.
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Top Mosaic Complaint Patterns
Mosaic borrowers report: interest rates presented verbally during the sale being different from the APR on the actual loan documents, zero-down or zero-interest promotions that came with conditions never explained by the solar dealer, loans originated for systems that were installed but never activated, and Mosaic continuing to collect after the installer went bankrupt or disappeared.
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Get My Free Case Review →The Interest Rate Mismatch Problem
Solar dealers routinely advertise Mosaic financing with promotional rates — 0 percent for 12 months, 1.49 percent for the life of the loan — that are conditional on specific circumstances. Homeowners who do not meet the conditions (often failing to apply the ITC to principal reduction) discover their rate is significantly higher. If the conditional nature of the promotional rate was not clearly disclosed, this may be a TILA violation.
Your Options as a Mosaic Borrower
File a CFPB complaint at consumerfinance.gov/complaint. Find the Holder Rule notice in your Mosaic loan documents. Consult a consumer attorney about TILA rescission if interest rate disclosures were inadequate. If your system is not working and your installer has closed, the Holder Rule is your primary defense.
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Frequently asked questions
What are the most common Mosaic solar loan complaints?
Interest rates different from what was verbally presented, conditional promotional rates not clearly disclosed, loans for systems that never activated, and Mosaic continuing collection after the installer went bankrupt.
Can I cancel my Mosaic solar loan?
Not unilaterally. But the FTC Holder Rule lets you assert installer fraud or breach as a defense against Mosaic. TILA rescission may apply if interest rate disclosures were inadequate. File a CFPB complaint and consult a consumer attorney.
What is the Holder Rule notice in a Mosaic loan?
A required boxed paragraph making Mosaic subject to all claims and defenses you have against the solar seller. If in your loan documents and your installer committed fraud or breach, you can assert those claims against Mosaic.
My solar installer went bankrupt and Mosaic keeps charging me — what do I do?
File a CFPB complaint. Consult a consumer attorney about FTC Holder Rule defenses. Do not stop payments without legal advice — this triggers default and credit damage.
What if Mosaic's interest rate was different from what I was told?
Document the rate presented vs. the rate in the loan. If the APR disclosed in the loan documents differs materially from what was verbally promised, this may be a TILA violation. File a CFPB complaint and consult a consumer attorney.
Does Mosaic have CFPB complaints?
Yes. Mosaic has significant CFPB complaint volumes. File at consumerfinance.gov/complaint. Be specific about the misrepresentation, the fee structure, and the system status. The CFPB tracks patterns and systematic complaints drive regulatory action.