Manage Your Solar Loan

Congratulations on your solar investment with Sungage Financial and welcome to NBT Bank! We are the banking partner of Sungage Financial, looking forward to assisting you with management of your solar loan, providing user-friendly resources and answering your questions.

Where can I find loan information?

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How do I pay the Zero Interest Portion?

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How do I manage my payments?

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Popular Questions

Can I manage my solar loan completely online?

Your solar loan can be managed through NBT Bank Online Banker, an easy-to-use online banking experience that makes handling your solar loan flexible and convenient. You will be able to see your balance, confirm your payment and sign up for eStatements.

I am a Sungage customer. How do I enroll in NBT Online Banker after the automatic enrollment period ends?

If you choose to enroll in NBT Online Banker after the automatic enrollment period has ended, please go to nbtbank.com and select "NBT Online Banker" in the account Login section.

Click on "Enroll for NBT Online Banker" below the "Sign In" button on the log in page
Follow the prompts

How do I sign up for eStatements for my Solar Loan Account?

Just follow these simple steps to easily enroll in eStatements:

Log in to NBT Online Banker
Select the "Statement" tab in the gray navigation bar
Read and accept the Online Statement Agreement
Confirm or update your e-mail address to receive alerts
Select your Solar Loan Account
Click the Enroll button

I’m a Sungage Customer. How do I enroll in ACH?

Please call us at 844-NBT-LEND (844)-628-5363.

How do I pay off the Zero Interest Portion of my solar loan?

You can make a one-time payment towards the Zero Interest Portion of your loan in several ways:

Online: Make a one-time ACH payment. Complete the online ACH form to transfer funds from your bank account at any financial institution. Submit both ZIP and monthly payment when using this payment option, even if you are enrolled in recurring ACH payments. Your recurring ACH payment will be suspended without authorizing duplicate payment.
Check: Mail check with the completed payment coupon to:
   NBT Bank Loan Operations
   P.O. Box 149
   Canajoharie, NY 13317
Service Center: Call NBT’s Solar Lending Customer Service team at 877-NBT- LEND (844-628-5363)

Please Note: Service center transactions will require an additional fee.

What are the benefits of enrolling in Automated Payments?

There are several benefits to enrolling in Automated Payments. Once enrolled your payment will go through each month on the day that you've selected. When you make an automated payment, it processes through a secure, encrypted system. It is a fast, free, convenient method of paying your loan.

How do I determine my current outstanding solar loan balance prior to the ZIP Maturity Date?

Please refer to NBT Online Banker or your statement. To determine the current amount owed on your solar loan prior to ZIP Maturity date, please add together the following fields:

Balance (This field represents the current interest bearing portion of your loan)
Zero Interest Loan Balance (This field represents the Zero Interest Portion of your loan where interest has been deferred until you reach your maturity date.)

The sum of the two fields will represent the current amount owed on your solar loan prior to your Maturity Date.

What are the benefits of eStatements?

eStatements are convenient, secure and manageable. By enrolling, you reduce the hassle of filing paper and your full statement will be available to you electronically, from home or anywhere. Additionally, you will receive an email notification when your new statement is ready. All statements dating back 18 months will remain online for viewing.

Can I extend the interest-free term of my solar loan to 18 months at any point during the process?

No. The amount and term of the loan must be finalized prior to funds being disbursed to your installer.

Is it possible that the final "at maturity" payment on the Truth in Lending (TIL) disclosure could be higher than the listed monthly payment?

Yes, the "at maturity" payment listed on the Truth in Lending (TIL) disclosure may be slightly higher than the regular monthly payment. However, the actual "at maturity" payment will depend upon your actual payment history and could be higher or lower than the "at maturity" payment listed in the TIL.

When is my first solar loan payment due?

Your first payment will be due approximately 60 days after the first disbursement is paid to your installer. The exact due date can be located on your statement or in your NBT Online Banker account.

Will interest accrue on the full solar loan amount released at first disbursement?

No, interest will only accrue on the interest bearing portion of the loan, beginning at first disbursement. No interest will be charged on zero interest portion of your solar loan if you pay prior to the ZIP payment maturity date.

What services can NBT Online Banker provide for me regarding my Solar Loan payment?

NBT Online Banker is our internet banking service which provides you with convenient access to your accounts 24/7. With NBT Online Banker you can:

View account information, history and eStatements
Make your Solar Loan payment
Initiate a stop payment and
Email your questions to customerservice@nbtbank.com

How do I make a payment for my solar loan by phone?

You have two options for making payments by phone.

Call Service Center at 844-628-5363 to reach a Call Center representative who can assist you with your payment.
Use Automated Service. Call 855-805-9588 and follow the prompts to make a payment using our automated service; the fee for this service is $4.95.

Can I change the day of the month my solar loan payment is due?

Yes, by calling 844-NBT-LEND If you want to change the due date within the first 90 days, you can do so at no additional charge (although there may be additional interest charged) After 90 days, you may change the due date, but there may be an additional charge.

For a prepayment or a lump sum payment on my solar loan, can I choose to pay off the principal of either the interest bearing portion or the zero interest portion?

All prepayments will be applied first to the interest-bearing portion of the loan, which provide you a benefit as you will be saving money in interest over the life of the loan. After the Zero Interest Portion of the loan matures, the prepayments will be applied to the Zero Interest Portion of the loan.

I’ve installed a solar energy system and I’m not seeing savings on electric bill. What should I do?

Please contact Sungage Financial:

http://www.sungagefinancial.com/
844-SUNGAGE 844-786-4243

What do I do if I have a problem with my solar energy system?

Please contact your solar energy system installer.

Can I speak with a service representative about my solar loan? What are the hours of operation?

Please call us at 844.NBT.LEND 844-628-5363

NBT’s Call Center is available:
Monday - Friday: 7:00am – 7:00pm
Saturday: 9:00am – 12:00pm

Will I be able to view the ZIP payment balance and ZIP payment maturity date for my solar loan in Online Banker?

NBT Online Banker will show the original amount of the ZIP of your solar loan as well as the maturity date.

Prior to ZIP payment maturity date, your prepayments will apply to the principal of the loan, reducing your loan interest over the term of the loan. On the maturity date, your prepayments will apply to zero interest portion of your loan.

Who is NBT Bank?

An independent community bank, NBT Bank serves 500,000 customers, offering personal, business and wealth management services through a network of over 150 locations and through online and mobile channels. NBT Bank and our parent company, NBT Bancorp Inc., are based in Norwich, NY.

NBT Bank operates as the lender for the Sungage Solar Loan program in close coordination with Sungage Financial, and we have a longstanding partnership offering point-of-sale financing on behalf of Lending Club Patient Solutions.

Will I be sent a reminder regarding the due date of the Zero Interest Portion of my solar loan?

Yes. You will be sent weekly reminders starting from 8 weeks prior to the ZIP payment maturity date. The letter will include your solar loan balance as well as payment options.

Are there fees associated with the various solar loan payment options?

There are multiple options available for making personal loan payments. Some payment methods include a convenience fee and some have no fees.

There is no fee for payments made on or before the due date when you select one of the following payment channels:

One-Time ACH payment payment form
Payment over the phone with assistance of the Service Center representative at 844-628-5363
NBT Online Banker
By Mail
In person at any one of our convenient branch locations.

The following payment methods include a convenience fee:

Payments made through the Pay Your Loan Link and with our automated Phone Service are subject to a $4.95 fee.*
Payments made through Automated Service are subject to a fee of $4.95.*

*Note: If your payment is made after the grace period, you will also incur a late payment fee.

Can I change my NBT Online Banker Login ID?

Changing your Login ID is quick and easy from within your NBT Online Banker Account:

Select the “Preferences” option at the top of the NBT Online Banker screen
Click the “Change Login Id” option
Enter your new Login Id
Confirm your new Login id
Click Save

Is there a monthly charge for NBT Online Banker?

No. You can sign up for Account Access Only or Account Access with Bill Payment. Either option is available without a fee.

How do I regain access to NBT Online Banker if I fail all three of my security questions?

If three of your security questions are answered incorrectly, your NBT Online Banker will be automatically locked to protect your account from unauthorized access. Please contact the Customer Service Center at 800.628.2265 for assistance or do the following:

Select Online Banker in the Account Login dialog box
Enter your id and click the "Forgot your password" link
Select the "click here to receive a new password" link to confirm that you would like to reset your password
A temporary, one-time password will be sent to the e-mail address on record for your login ID.
After logging in with the one-time password, reset your password

How do I change my NBT Online Banker password?

Changing your password is quick and easy from within your NBT Online Banker Account:

Select the “Preferences” option at the top of the NBT Online Banker screen
Click the “Change Password” option
You will be prompted to:
- Enter your current password
- Enter your new password
- Confirm your new password
- Click the “Submit” Button

Once you have completed this process, your new password will be active.

What are the Personal Computer system requirements to use NBT Online Banker?

You must have Internet access and a web browser with 128-bit encryption. We support the current version and one version back of Internet Explorer, Firefox, and Safari.

Is NBT Online Banker safe and secure?

NBT Online Banker operates using a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a DigiCert issued certificate for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.

What services can NBT Online Banker provide for me regarding my loan?

NBT Online Banker is our internet banking service which provides you with convenient access to your accounts 24/7. With NBT Online Banker you can:

View account information, history and eStatements
Make your payment
Initiate a stop payment and
Email your questions to customerservice@nbtbank.com

Are there fees associated with the various personal loan payment options?

There are multiple options available for making personal loan payments. Some payment methods include a convenience fee and some have no fees.

There is no fee for payments made on or before the due date when you select one of the following payment channels:

NBT Online Banker
Auto Draft
External Account Transfer
By Mail
In person at any one of our convenient branch locations.

The following payment methods include a convenience fee:

Payments facilitated by a Call Center representative are subject to a fee of $16.95.*
Payments made through the Pay Your Loan Link and with our automated Phone Service are subject to a $4.95 fee.*
Payments made through Automated Service are subject to a fee of $4.95.*

*Note: If your payment is made after the grace period, you will also incur a late payment fee.

What is an electronic check (ACH transaction)?

An electronic check is a direct debit to your checking account that's made using the Automated Clearing House (ACH) network. This network is used by financial institutions to facilitate transfers between accounts. Another type of ACH transaction that you may be familiar with is a direct deposit.