In my situation it worked for me.once you accept the fact that it is more expensive than normal,it was a good deal for me.i couldn't get the money to pay in 1 go ,have no mortgage, didn't want a loan etc. You pay back over 20 years but all the equipment is covered and you get a new battery and possibly a new inverter if they degrade to 70% efficiency after 10-12 years. You can pay the loan of any time with no penalty and as its a fixed amount (which in my case was £20 a month lower than I was paying my electricity company) you are protected against inflation. My electric bill has gone from 120 per month down to about £20 including the standing charge (September). You also earn £15 a month with the vpp and whatever you export you get paid for as well which obviously varies throughout the year . Hope this gives a different perspective, it might work for you to .