GEMS

Switch to Solar Today and Save Money with PV Tech’s Financing, PPA, and Leasing Options

Sustainable Energy Solutions For Your Home or Business

Stop losing money to rising utility rates. At PV Tech, we make switching to solar simple and affordable, regardless of your budget or credit history.

Cut Your Electric Bill by 35% to 95%

We believe sustainability shouldn’t be a luxury. If upfront costs or credit scores have held you back, our flexible funding programs are designed for you:

No Credit Checks: Your credit score won’t stop you from saving.
$0 Down Payment: Start your transition to clean energy with zero upfront costs.
Flexible Plans: Choose from Purchase Financing, PPA, or Lease options tailored to your needs.

How GEMS Works

At PV Tech, we are proud to offer the Hawaii State GEM$ On-Bill Program, an innovative way to upgrade your property with no upfront costs and zero financial stress.

Lower Your HECO Bill, Not Your Bank Account

The GEM$ Program eliminates the biggest hurdles to going solar. Instead of a separate monthly loan payment, your solar investment is repaid directly through your existing Hawaiian Electric (HECO) bill.

Immediate Savings: You’ll see your total HECO bill decrease from day one.
No “Extra” Payments: There are no separate bills to track since your repayment is simply part of your utility statement.
No Credit Barriers: Approval is based on your utility payment history, not a credit score.

When considering solar pv panels, there are 3 main options available to you.

Purchase through check payment or a bank loan

Power Purchase Agreement (PPA) or Monthly Lease

Prepaid Lease

Why GEMS
is The Best Option For You

No down payment so this will not affect your budget.

No credit check occurs, so it is easier to qualify.

This will not lower your credit score because it is not recorded as a personal loan.

This will not interfere with your ability to get bank loans in the future because this will not show on your credit record as a bank loan.

Call To Find Out More About Our No Money Down Program