/ Honesty Index / Aqua Finance

Aqua Finance

Financing · Home improvement + solar
C-

Mixed (C-) — Insolar Honesty Grade

Aqua Finance is a home-improvement lender headquartered in Wisconsin that finances solar as part of a broader product mix. Solar-specific disclosure practices are below specialist-lender standards. CFPB complaint volume is moderate and concentrated in home improvement broadly. Subject to multiple state AG inquiries over disclosure practices.

54
Composite Score / 100
/ Subscore Breakdown · 5 Dimensions

Where this grade comes from

Contract Clarity
C-
Sales Practice
C
Post-Install Service
C
Financing Honesty
C-
Legal Track Record
C-
/ Regulatory & Legal Record

Public-record events

  • Multiple state AG inquiries — disclosure practices (ongoing 2024-2025)
  • CFPB complaints: moderate volume
  • Class action settled 2023 — home improvement TILA disclosure
  • Not solar-specialized

/ Best for

Customers whose installer offers no alternative financing and who have independently verified the loan terms.

/ Watch out for

Aqua Finance is not solar-specialized. Compare APR to a solar-specialist lender (Dividend, Sungage) explicitly before accepting.

Have direct evidence of an issue with Aqua Finance?

Report a new regulatory filing, court ruling, complaint pattern, or sales-practice issue. Verified submissions feed the next quarterly Honesty Index refresh. We only accept reports backed by documentation (filing numbers, screenshots, contracts).