GEM$ Quick Start Guide
⚡ GEM$ Quick Start Guide
✅ YES!
✅ YES!
❌ NO!
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 loan from us at below market rates for a home energy improvement.
- The loan is repaid through your monthly electric bill. Approved participants normally 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
Homeowner Application
The legal homeowner and primary applicant at the installation address.
Renter
Tenant Application
Renter at the property where the energy improvement will be installed.
Landlord must also complete the Landlord Application
Landlord
Landlord Application
Owner of the property at the installation address that is leased or rented to another individual.
Renter must also complete the Tenant Application
Additional Ratepayer or Additional Homeowner
Additional Application
A secondary application for those who are listed on the utility account or a legal property owner in addition to the primary applicant.
Interested in a Solar Lease or PPA
Lease/Energy Services Application
DO NOT USE UNLESS INSTRUCTED BY A QUALIFIED INVESTOR
A 3rd party installs, owns and operates a solar PV system (Solar System) on the rooftop of an LMI household.
START AHEAD, TALK TO A CONTRACTOR
Before you apply, it is recommended you get 2 or more quotes from our list of
approved contractors.
For a complete step-by-step guide to the GEM$ process, please click here.