In Hawaii big island can home owner get solar panel instalation without up front payment?

In Hawaii, the Big Island home owner can get solar panel installation without an upfront payment through various financing options. Here are some key points to consider: 1. **Hawaii State Federal Credit Union (HSFCU) PV Loan Program**: The HSFCU offers a PV Loan program with a 0% interest rate and no monthly payments for the first 18 months, followed by a low-interest rate for the remaining term. This program is available only for PV systems installed by participating contractors and has a maximum loan amount of $75,000, subject to approval. 2. **American Savings Bank Hawaii Clean Energy Loan**: American Savings Bank Hawaii offers a Clean Energy Loan with participating contractors listed alphabetically. The loan program features a 0% interest rate and no payments for the first 18 months, followed by a low-interest rate for the remaining term. This loan is not applicable for refinancing existing loans for PV systems and is subject to change. 3. **Hawaii State Federal Credit Union Other Financing Options**: HSFCU also offers other financing options such as the PV, Storage, & Solar Water program, which has a 0% interest rate and no monthly payments for the first 24 months for PV or Solar Water. There is also the Energy Efficient Air Conditioning program, which has a 0% interest rate and no monthly payments for the first 12 months. 4. **Sungage Financial**: Sungage Financial offers financing options with no pre-payment penalties and terms up to 25 years. This can be a good option for homeowners looking to finance their solar panel installation over a longer period. 5. **HIGA - GEMS**: HIGA - GEMS offers immediate estimated bill savings, elimination of credit barriers, and long-term financing up to 20 years at a below-market rate. This program can be a viable option for Big Island homeowners looking to install solar panels. In conclusion, Big Island homeowners in Hawaii can get solar panel installation without an upfront payment through various financing options, including loans from Hawaii State Federal Credit Union and American Savings Bank Hawaii, as well as other financing programs. It's important to explore these options and consider factors such as interest rates, repayment terms, and any government incentives before making a decision.