Clean energy credit union does modest rate loans. That allows you to get the panels, they foot the up front cost, you get the fed/state/utility incentives and put those towards the loan. That’s pretty much your only option other than footing with cash.
I’m surprised no one mentioned this so far: check to make sure the fins on your outside unit are clean.
My parents had this issue when I was visiting. I went outside and looked at their unit and it looked like it was covered in carpet. I took a hose and gently rinsed off all of the dirt and pollen and they were back in action.
Others already covered a lot of good points: make sure it’s not froze (it likely is if you’ve been running for a while and it’s not keeping up) and change the filter.
If that doesn’t work you likely need refrigerant.
I’ve had on my bucket list to do a short book/long cigar afternoon at some point and I’ve been saving this book for that afternoon.