I have a 25 year loan so it will take 25 years to pay it off. But that isn’t really a problem because if I didn’t have the solar loan, I would still be paying more money every month to the electric company instead of the loan company.

If I have to move before the loan is paid off, I can transfer it to the new owners when they buy the house, or simply raise the price of the house when I sell it and pay off the solar loan then, just as I would be paying off the remainder of the mortgage.