The Federal Tax Credit plays a big role in lowering your monthly loan payments. Typically, homeowners will use their tax credit to pay down the principal of their loan, thus minimizing the amount of interest they will pay on the loan. Renogy X's financing is designed to accommodate this. Our loans have an 18-month amortization period, wherein you can pay down the amount of your tax credit (as well as any additional amount you wish) and lower the monthly payments of your loan. You are welcome to prepay following the amortization period as well -- these prepayments will shorten your loan term rather than lower the monthly payment amount.