Green Energy Money $aver
Quick Start Guide
Start the application process here! Check if you qualify and
select the appropriate application.
Are we accepting new applications?
YES!
Are funds still available?
YES!
Minimum income or credit score?
NO!
GEM$ Quick Start Guide
Do I Qualify? If YES to all…
✓ Low- to moderate-income? (<140% Area Median Income) Check if I qualify
✓ HECO, MECO or HELCO customer?
✓ At least 6 months of utility bill history?
How does GEM$ work?
- You receive a low‑interest loan from HGIA for a home energy improvement.
- You repay the loan through your monthly electric bill, and most participants see a 5–20%+ reduction in their overall bill.
- The loan is tied to the property’s meter, not you. If you move, it stays with the property.
How Do I Apply?
I AM A …
Homeowner or Renter
GEM$ Main Application
The legal homeowner, or tenant, and primary ratepayer (person listed in the upper lefthand corner of the utility bill) at the installation address.
Landlord
Landlord Application
Owner of the property at the installation address that is leased or rented to another individual.
Renter must also complete the GEM$ Main Application
Start Ahead, Talk to a Contractor
Before you apply, it is recommended you get 2 or more quotes from our list of approved contractors .
