Well I would say it is a bunch of baloney however I think you may not be fully understanding what the sales rep is saying ... many times they work it into the contract that IF you use the credit from your return it will pay down the balance due and the payments. Normally they will show you both ways to finance the panels ... with and without using the credit to pay down the balance due but at no time is the credit theirs ... it is part of your tax return so it is yours to use as you see fit.
Now most times I have found that the amount they say you will get as a credit may not be correct for your income tax situation ... the credit is NOT refundable so you may not actually see it in the refund ... review your tax return to see how it would or would not work for you.
