Homeowners or Renters

What is GEM$?

The Green Energy Money $aver (GEM$) On-Bill Program is an innovative financing program for homeowners and renters offered exclusively by the Hawaii Green Infrastructure Authority that features:

How does GEM$ work?

By including the GEM$ repayment on your monthly utility bill, HGIA is able to relax its credit underwriting requirements and allow the obligation to transfer from ratepayer to ratepayer via the home’s electric utility meter.

  1. Homeowner/Renter, who is the Ratepayer (the “Applicant”), will submit a GEM$ application to HGIA
  2. HGIA will determine the Applicant’s eligibility
  3. HGIA will determine the Project’s eligibility
  4. Upon approval and execution of program documents, the Energy Improvement is installed
  5. HGIA pays the GEMS Approved Contractor for the completed installation
  6. HGIA remits the On-Bill Obligation (OBO) information to its Loan Servicer
  7. Loan Servicer remits the OBO information to the Utility
  8. Utility remits monthly electric bill to Ratepayer with the monthly Program Charge for the OBO; Ratepayer pays the bill, including the Program Charge.
  9. Utility remits the Program Charge to HGIA

Approved Energy Improvement (EI) List:

  • Solar PV System
  • Solar Thermal Water Heater
  • Solar PV Water Heater
  • Heat Pump Water Heater


Apply On-line:

Download an application:

Complete, sign and return, along with a copy of  your most recent utility bill and a valid government issued ID card to: Hawaii Green Infrastructure Authority, P. O. Box 2359, Honolulu, HI 96804.

NOTE:  If you are not eligible for GEM$ on-bill financing program, you may still be eligible for other GEMS financing.  Please contact us for more information on our other financing programs.

Landlords/Property Owners

The GEM$ On-Bill Program was designed to provide split incentives and innovative repayment mechanisms to increase landlord/property owner participation.

HGIA will work directly with property owners on program requirements.  Please contact us for more information.


Frequently Asked Questions 

Helpful links:

Click here for tips on selecting a solar contractor

Click here for information on how to right size your rooftop solar system

Click Here to calculate your monthly loan payment


Qualifying for GEM$ is a simple 2-step process:

Step 1 – Applicant Eligibility

  • Must be a Hawaiian Electric, Maui Electric or Hawaiian Electric Light Company customer on Rate Schedule R
  • No disconnect notice issued by the Utility within the past 12 months (Sample Disconnection Notice)
  • Minimum of 6 months of history with the Utility
  • Households must be Low and Moderate-Income (LMI)  (Defined as <140% Area Median Income per the U.S. Department of Housing & Urban Development and Hawaii Housing Finance & Development Corporation’s guidelines)

Step 2 – Project Eligibility


Energy Efficiency Contractor must also be a Hawaii Energy Clean Energy Ally

Renter will need landlord/property owner approval

For more information, contact an approved contractor today or contact us