A low credit score typically refers to a score below 650, signaling potential financial challenges. Factors such as late payments, high credit utilization, and past bankruptcies can contribute to this score. While a low credit score may make it harder to secure loans or credit cards, it doesn’t mean you’re out of options—especially when it comes to solar energy. Many lenders offer flexible financing options, including no credit check solar panels and low-income solar programs, specifically designed to help individuals with lower scores go solar. By improving your credit score through timely payments and debt reduction, you can also increase your access to better financing in the future. Understanding your credit and exploring these options can help you make informed financial decisions.