Not everyone has the funds in the bank to be able to purchase a solar pv system outright and with government incentives being at an all time high, now is the time to invest in solar pv.

A solar loan could be the answer to getting a system installed now, so that you can reap the benefits for the future. Here at JSC we recommend Zopa;

Zopa is a marketplace for Social Lending. People lend and borrow money with each other, side stepping the banks.

Social Lending is a smarter, fairer and more human way of doing money. It's like borrowing and lending with your friends and family - except there are thousands of people you can lend and borrow with.

Both lenders and borrowers get better rates, because Social Lending is more efficient than the traditional banking model. Banks have massive overheads, with thousands of employees to pay and hundreds of branches to maintain. So they have to take large margins on the money that passes through them.

A typical example of Zopas rates:

If you would like to know more about Zopa or get a quote please follow this link: Zopa - Social lending

What the press are saying about Zoba;

The Guardian
"What's arguably made Zopa a really appealing proposition is the combination of plummeting interest rates and the lending clampdown brought about by the credit crunch. Savers who not long ago were getting 5% or more on their cash are now getting far less, while many borrowers have been unable to obtain loans at sensible rates. Over the past 12 months, its lenders have enjoyed an average annual return of 9.1%."

The Financial Times
"Which financial institution has just reported a 140 per cent rise in lending year on year? The answer is Zopa, the online lending site - never a bank - where the borrower and lender agree the rate at which transactions are carried out. (Can't quite see that catching on with the high street banks.) £35m has been lent in this way so far. But the journey of 1,000 miles begins with a single step. The recovery starts here."

The Independent
"Zopa, the social lending website that cuts out banks, lent a record £2.5m in February and is piling on new members as the credit drought makes its service more attractive. The company, which brings lenders and borrowers together via the internet, said its business grew rapidly in the second half of last year as bank lending prices rocketed while savings returns tumbled."

The Motley Fool
"We have a new asset class with the entry of Zopa. (It's new relative to bonds, shares and certainly cash.) To many, it's still just an intriguing, ethical idea that enables people to lend to other people, removing the banks from the process. To others, it's a huge opportunity to make a fat pile of cash."

The Times
"How would you like an average return of 9.1 per cent on your savings in the knowledge that your money is directly helping someone to pay for their wedding or university fees - and all without having to deal with incompetent call-centre workers? This is what is on offer from Zopa.com, so it is little wonder that the number of people shunning conventional savings accounts for the peer-to-peer lending website has risen eightfold since the beginning of last year, with more than 2,500 new members joining last month alone."

This Is Money
"Desperate for the days when savings rates topped 7%? The closest you are likely to get to this now is online lending website Zopa. The site has turned heads by offering amazing savings rates of over 9%."

MSN Money
"Internet-based loan market Zopa is one of the most promising candidates to come blinking into the sunlight. By cutting out the bank middlemen and much of the overheads, borrowers get lower rates and lenders get higher ones. It's a bit like peer-to-peer music swapping, except what is being swapped are money and interest rate promises.

The Telegraph
"Now that the incompetence of many professional bankers is plain for all to see, rising numbers of savers and borrowers are going online to cut out the middleman. Better still, while interest rates stand at their lowest level in many people's lifetimes, DIY bankers who advance loans online can still get returns of 9pc."

Moneyweek
"Britain's ground-breaking 'social lending' exchange is enjoying a boom in business thanks to the credit crunch. Looking for a decent rate of return on cash and not frightened of lending your money to someone you don't know? Zopa is a unique online exchange that matches up cash-rich individuals directly with needy borrowers seeking modest loans. The idea is that the market sets the going rate, and both lenders and borrowers get a better deal by avoiding using an overheads-heavy,