Why is GEMS Good for Homeowners?

GEMS offers Hawaii residents in the counties of Oahu, Maui, and Hawaii the opportunity to save on energy costs:

  • Own your solar PV system
  • Save on your electric bill
  • No down payment, 100% financing
  • 20-year fixed rate
  • Flexible underwriting guidelines
  • 5.99% APR for Qualified Applicants


Why is GEMS Good for Non-profits, Small Business, Apartment Building Owners?

Features and Benefits:

  • Lower than Market Fixed Rates as low as 4.50%*
  • Longer Repayment Terms for up to 20 Years
  • Up to 100% Financing
  • Flexible Repayment Schedules
  • No Prepayment Penalty
  • GEMS Able to Partner with any Lender
  • Project Must be Located within HECO company Territories (Oahu, Maui, Island of Hawaii)

*On Approved Credit. The actual interest rate will be charged based on the borrower’s creditworthiness