Review Time
I have NOT personally talked to this company but ONLY the solar company.... Shine Solar LLC. Shine Solar is now bankrupt. We were having to pay $150 per month for solar panels that do NOT work. And for some reason, Dividend Finance has been taking out $210/month on autopay!! NEVER have your bills set up to be paid by autopay! What a SCAM!
Horrible company to do “ business with”! After a year of full & on time payments, my original balance of the loan went up 3k! The excuse given to me.. “ It was a promotional period “… Promotion for them to outright take my money & put zero towards the principle!
Our experience with Dividend has been great. The solar panel installation company introduced them to us. The process was simple and easy. We were informed of all conditions upfront and we felt like we made an informed decision. The prepayment, loan payment process was very easy, everything online and we have easy access to all the information we need.
I was told my interest rate for my roof and solar panels would be a fixed rate until the loan was paid off. I noticed that my auto draft amount had gone up and I called Dividend. They told me I had another increase in my minimum payment due starting in Oct 2025 which would be almost $100 more each month. The only way I could avoid this was to pay them $11000 now. No one told me of a balloon payment when I took this loan out. I have been unemployed for 3 years now, living on disability income and a very fixed budget. I would never had taken this loan out if I new there was a balloon payment. Do not trust Dividend Finance or Momentum Solar.
One of the worst companies that has ever existed. They put a lien on my mothers house 2 days after she passed away because they thought they wouldn't be paid. they were paid in full in 5 months almost $5000. My title company was the one who alerted me that they did this. They also wouldn't give me any information on the loan even though I was the power of the estate. I advise EVERYONE TO STAY AWAY FROM THIS COMPANY.
Dividend Finance is a scam! They will come to your door sell you solar finance you like within minutes , place solar panels on your roof within weeks and never hear from them again. We listed our house 30 plus days ago and have been going back and forth with them on paperwork for our buyers to assume the loan. We have done a 10day extension because of airing to see for approval of buyer loan transfer only to find out on the 20th day on a Friday afternoon that they want us to pay a certain amount as the owners so that the buyers can assume a certain amount of the the loan.
I financed a new shower from Westshore Homes. They set my loan up with Dividend Finance. My loan was for $10,000. The first 8 months 100% of my payment went to interst. I called to ask why, and got the run around. After 8 months only $43 of my $176 payment goes to the principle. When I called about the unfairness of that, a smartalec woman said too bad and hung up on me. After 3 years, 5/22/2022 I still owe over $9,000. By the time this loan is paid off, I'll have paid $6,000 on a $10,000 loan.
This company is corrupt. It is nearly impossible to log into your portal and get any sort of documentation regarding your loan and pay-off information. I have spent an incredibly long period of time on the phone with them just trying to get my simple loan documents for a refinance. There is something not right with this company and I am paying this off ASAP to get out of this relationship. I highly advise against using them.
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Dividend is a leading national provider of renewable energy and energy-efficiency financing solutions to homeowners. We believe that solar should be an investment, not just another monthly expense and make this possible through offering a comprehensive suite of residential solar loan options to our customers. Our unsecured solar loan, the EmpowerLoan™, continues to expand its product offerings into the home-energy space - including PACE financing. As well, Dividend has developed a comprehensive platform for installation partners and homeowners to streamline the financing process and help our customers achieve their goal of solar ownership.See more
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