SOLAR FINANCING OPTIONS
Sunspear Energy is Hawaii’s commercial and residential trusted solar leader.
No Money Down Solar Financing
We offer many different no-money-down financing options to suit almost any budget and allow homeowners to take advantage of Federal & State Tax Credits.
CASH
LOAN
LEASE
Who We Are
Hawaii's Leader in Energy Independence
Cash Purchase
If you have the financial resources available, purchasing your home solar system delivers the greatest long-term savings and return on investment.
- You Pay Taxes and Can Use Tax Credit
- High and Best Return on Investment
- No Rate Increases
- Budget for Maintenance
- Home Value Increase
- Best Choice for greatest return on investment
Solar Loan
You own your solar system and pay for it with a loan. You can pay off your loan at any time without penalty.
- No upfront costs
- Claim tax incentives
- Flexible financing terms
- Soft credit check
- Low payments & immediate savings
Participate Energy
Through our partnership with Participate Energy, we’re offering a Prepaid Solar Lease designed to deliver immediate value and long-term simplicity:
- 35% upfront discount off the original system cost
- One single prepayment, no monthly bills for 25 years (loan providers also available)
- No credit underwriting or FICO requirement
- No property lien or UCC filing
- Fully transferable if you sell your home (no credit check required for the buyer)
- Option to take ownership of the system starting in Year 6
- 30 yr Solar Insure
GEM$
GEM$ Quick Start Guide
The Green Energy Money $aver (GEM$) On‑Bill Program is an innovative financing program for homeowners and renters offered exclusively by the Hawaii Green Infrastructure Authority that allows customers to repay for solar installations directly on their utility bill.
Key Features of the GEM$ Program
- No Upfront Cost: Eligible customers can install solar PV systems without upfront costs.
- On-Bill Savings: The program structure requires that the monthly savings on utility bills exceed the repayment amount, offering immediate savings.
- Elimination of credit barriers
- Long‑term financing of up to 25 years (for a more cash-flow friendly option) at a below‑market, fixed rate of 5.5% per annum
- Homeowner or landlord will own the system.
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