GEM$ (Green Energy Money $aver) On-Bill Program
5.5% fixed APR; up to 20-25 year terms; no credit check required; no money down. Monthly projected utility bill must be ≥10% lower than pre-solar bill.
Hawaiʻi Green Infrastructure Authority (HGIA)
LMI households, nonprofits, small businesses, state agencies in HECO service territory; no credit check or income verification
No income requirement
HECO
Hawaiʻi, Lānaʻi, Maui, Molokaʻi, Oʻahu / Honolulu
June 16, 2026
This tool is a guide only. The administering agency makes the final eligibility determination.