How Mijas Homeowner Charges Their EV for ‘Free’ With Solar Financing Deal

If you’re wondering how people finance solar and still keep monthly costs under control, this story will help.

Many homeowners in Spain want to install solar to upgrade their homes. Perhaps they want to ditch gas, opt for heat pumps, or get an EV charger. But with high upfront costs, these upgrades can seem out of reach.

In this article, I’ll show an example of how the right finance plan can change the maths.

Here’s what you’ll learn.

• The smart solar setup that lets a homeowner charge an electric car “for free”
• Their solar financing deal
• 3 steps to get your own smart financing proposal

Let’s get into it!

The Upfront Costs of Modernising your Home

This homeowner’s story is a common one.

They’d been thinking about buying a solar energy system and an electric car for a while, and a few reasons pushed them closer to the decision:

• Incentives running out: up to €7,000 in direct subsidies and up to €3,000 in tax deductions were still available for EVs at the time. (New subsidies are expected from 2026-2030 with the Plan Auto 2030.)
• Local rules tightening: Málaga’s new emissions restrictions made lower-rated vehicles harder to live with day to day. 
• Lower monthly spend: installing solar and charging a car at home leads to huge savings on rising energy and petrol costs.
• Cleaner energy switch: they wanted to rely less on fossil fuels and more on electricity, as Spain’s energy mix gets cleaner.

But the same doubt stops a lot of people.

How much will it cost?

Similar worries shows up with other home upgrades too.

Heat pumps.

Aerothermal.

Underfloor heating.

Pool heating.

Extra air conditioning.

Blackout protection.

If your bills already feel high, the thought of adding more can put you off.

Why Solar Financing Can Be Smarter than Buying Solar Outright

At Marblanc Solar, we find most clients assume they’re going to pay for solar upfront.

The homeowner in this story followed a simple path:

• The homeowner considered solar energy to reduce electricity bills.
• Marblanc Solar carried out a Free Solar Survey.
• We came back with two options: a high-spec system with a battery and an EV charger, and a basic system with only solar panels.
• The homeowner wanted the better setup, but hesitated at the upfront cost.
• We offered a solar finance proposal.

Finance can sound like a bad deal.

You might worry about paying interest. You might worry that the savings won’t feel instant.

But keep reading.

Because this story shows a hidden benefit most people miss.

How this Homeowner Is Charging their Electric Vehicle “for free”

In this case study, our client can charge their electric car with no increase in monthly outgoings.

How does that work?

It comes down to comparing what they paid before and what they pay now.

Before solar, their average electricity bill sat at €208.

After solar, our proposal showed a new average electricity bill of €25, based on a high-power system with the following equipment.

• 11 x 595W solar panels (6.545 kW, around 6.55 kWp)
• A 6.9 kWh solar battery
• A 7.4 kW electric vehicle charger

When you combine the €28 bill, the fixed charges on the electricity bill, and the €153.19 repayment, the total comes to around the same €208 they used to pay.

Same monthly spend.

More electricity at home.

That is why they can say they are charging the car “for free” – and without any upfront costs to get the better system.

3 Steps to a Smart Solar Financing Setup

This is a smart way to go solar.

You can upgrade your system and still keep your monthly outgoings close to what you pay today.

Few homeowners realise this is possible.

So below, I’ll break down how to build a setup like this for your home.

Step 1: Calculate Your New Monthly Bill with Solar

A smart solar finance plan starts with one thing.

Clarity.

In Spain, many installers will send a quote without properly seeing your home.

That’s not a solid way to plan.

At Marblanc Solar, we start with a Free Solar Survey.

The survey includes a few key checks that help keep the proposal accurate:

• Qualified survey engineer: your survey is completed by a trained engineer, not a salesperson.
• Drone roof scan: we scan the roof to understand space, angles, shading and orientation.
• Bill review: we check your past 12 months of bills to estimate your average kWh use.
• Upgrade planning: we run a Q&A to map any upgrades you want, like an EV charger or heat pump.
• Power supply check: we double-check your supply so the system matches your home’s real limits.

We then use leading solar design software, Pylon, to build a tailored proposal. The drone data helps to estimate how much electricity your roof could generate across a full year.

That estimate is what lets us forecast your likely bill with solar.

Step 2: Understand the System You Need

If you plan to add upgrades – like heat pumps, aerothermal or a car charger – this step matters.

Many homeowners in Spain go solar and never see a big drop in their monthly bill.

Here’s the usual reason why:

If you use high-power appliances after dark, you’re still buying a lot of electricity from the grid.

That is why Marblanc Solar prepares two proposals.

• Basic solar system: designed to cut daytime electricity costs by 80% or more.
• Higher-spec system: designed to push bills close to €0, even when you use power after dark, by pairing solar with the right add-ons.

The comparison often makes the choice clear.

Step 3: Get a Solar Financing Proposal

Once you know the system you actually need, you can look at finance.

This is the moment it starts to make sense.

At Marblanc Solar, we offer every client the option of a solar finance proposal through our partner, Pontio. 

A Pontio-style solar finance plan can include benefits like these:

• No downpayment: spread the cost without paying a deposit upfront.
• Instant eligibility check: an instant online check to see if you qualify via our partner’s smartphone app.
• No credit impact: financing does not affect your credit profile or ability to borrow, including CIRBE (Spain’s official credit database).
• Early repayment option: pay off the balance at any time with a 0% cancellation commission.
• Flexible terms: choose repayments over 10, 12, or 15 years.
• Transferable payments: repayments can be transferred to a new homeowner if you sell the property.
• Quick approval: full approval within days, so installation does not drag on.

If you want to know about interest rates, these vary by proposal.

The best next step is a Free Solar Survey, so we can build the right system first and then share a tailored finance option for your home.

Why Your Choice of Solar Installer Matters

There’s one more thing to know if you are considering solar finance in Spain.

Your choice of solar installer.

Many homeowners get quotes from three or four companies, then compare the systems and the repayments.

It’s sensible.

But we always remind clients that solar is a 25-year investment.

At Marblanc Solar, we focus on long-term performance, not just the day the system goes live.

Our post-installation support includes the following.

• Full legalisation: we handle the paperwork with the relevant authorities so your system is registered correctly and you can access property tax benefits – where eligible – as well as access solar feed-in tariffs and the virtual battery.
• Two-week monitoring: we monitor the system closely after installation, then send an electrician to advise on timers, circuit use, and simple changes that can improve savings.
• Tariff comparison and switch: we compare solar-friendly electricity providers and help you switch fast, because a better tariff with a virtual battery can reduce costs sometimes by 30-40%.
• Long warranties: we offer 25-year equipment warranty and 25-year workmanship warranty, so you have cover if something fails.
• Direct WhatsApp access: you get a direct line to co-owners Roman Mitchell and me, Adam Millington, plus our senior electrician, John Bradley, for questions seven days a week.
• Free servicing: we include free annual servicing for the first three years.
• Reduced-cost upgrades: we offer ongoing system upgrades at a lower cost if you want to add panels, batteries, or other equipment later.

If you plan to finance your system, this matters.

You want a company that will still pick up the phone long after the install is done.

Final Thoughts

In this case study, we have seen how a homeowner in Mijas could effectively charge their electric car “for free” after installing an 11-panel financed solar system.

The benefits of this approach are clear.

• No upfront cost: they accessed the best system for their needs without paying a large lump sum.
• Same monthly outgoings: they still pay around €208 a month, but now that budget also covers charging their electric car.
• Money stays at home: instead of sending €208 to Endesa, around €153 of that monthly cost goes into their own solar system.
• Lower bills later: after 10 years, the system is paid off and their electricity costs could drop to around €25 a month (not including standing charges).
• Long-term savings: over 25 years, the projected saving is over €25,000, which is more than double the total cost of the installation.

Would you like to see a proposal for a financed solar system for your home in Spain?

Book your Free Solar Survey now and Marblanc Solar will follow up and send a tailored proposal within 48 hours.