Solar Options
How To Get Solar
At HSG, we help you understand which option benefits you. We don’t install solar systems, we represent you, the homeowner. Our only incentive is to help you make the smartest possible decision, based on your budget, tax situation, and long-term goals. We help you figure out what works best for you.
Main Ways To Get Solar
Residential Solar Options
Cash Purchase
- You get 100% of the tax incentives.
- You eliminate your electric bill immediately.
- You maximize long-term savings: no interest, no payments.
- It increases the value of your home.
- Upfront investment is higher—but the returns are unmatched.
Best for: Homeowners who have a budget, who want to own the system fully, who have a tax liability, and who want to save the most over time.
Solar Loan (Financed)
- $0 out of pocket to start.
- You still own the system, so you get the tax credits.
- Payments are often less than your HECO bill.
- Once paid off, all savings are yours.
- Watch out for dealer fees - many financing companies pass along hidden loan costs (sometimes up to 30%). We always highlight them so you know exactly what you’re financing.
Best for: Homeowners who want the benefits of owning but prefer monthly payments. We help you shop the best financing options without junk fees.
Lease or PPA
- $0 down, guaranteed power savings day one.
- The leasing company handles all maintenance.
- Great for retirees or tax-exempt households.
- You don’t get the tax credits—the leasing company does.
- Lease contracts typically run 20–25 years, sometimes with escalating rates.
- Complications can arise if you sell your home.
But here’s the twist: Even if you don’t use the tax credits, the leasing company does, and they pass the savings onto you in the form of a lower kwh rate. So moving forward before the 2026 tax credit change still matters!
Best for: Homeowners who want simple savings and aren’t concerned about ownership. It’s the no-brainer option of the 4: costs $0, instead of paying HECO their high rates you pay the Lease holder a lower amount. We help you determine whether or not you want an escalating monthly payment or if it’s best it remains flat for 20-25 years.
Prepaid Lease / PPA
- No loan, no monthly payments.
- Guaranteed energy savings.
- Great for simplifying life, especially for retirees or snowbirds.
- You don’t own the system or get tax credits.
- Less financial upside long-term, but less responsibility too.
Best for: Homeowners who have a budget, who want to own the system fully, who have a tax liability, and who want to save the most over time.
There are 4 Options To Buy Solar
Cash Purchase
- You get 100% of the tax incentives.
- You eliminate your electric bill immediately.
- You maximize long-term savings: no interest, no payments.
- It increases the value of your home.
- Upfront investment is higher—but the returns are unmatched.
Best for: Homeowners who have a budget, who want to own the system fully, who have a tax liability, and who want to save the most over time.
Solar Loan (Financed)
- $0 out of pocket to start.
- You still own the system, so you get the tax credits.
- Payments are often less than your HECO bill.
- Once paid off, all savings are yours.
- Watch out for dealer fees - many financing companies pass along hidden loan costs (sometimes up to 30%). We always highlight them so you know exactly what you’re financing.
Best for: Homeowners who want the benefits of owning but prefer monthly payments. We help you shop the best financing options without junk fees.
Lease or PPA
- $0 down, guaranteed power savings day one.
- The leasing company handles all maintenance.
- Great for retirees or tax-exempt households.
- You don’t get the tax credits—the leasing company does.
- Lease contracts typically run 20–25 years, sometimes with escalating rates.
- Complications can arise if you sell your home.
But here’s the twist: Even if you don’t use the tax credits, the leasing company does, and they pass the savings onto you in the form of a lower kwh rate. So moving forward before the 2026 tax credit change still matters!
Best for: Homeowners who want simple savings and aren’t concerned about ownership. It’s the no-brainer option of the 4: costs $0, instead of paying HECO their high rates you pay the Lease holder a lower amount. We help you determine whether or not you want an escalating monthly payment or if it’s best it remains flat for 20-25 years.
Prepaid Lease / PPA
- No loan, no monthly payments.
- Guaranteed energy savings.
- Great for simplifying life, especially for retirees or snowbirds.
- You don’t own the system or get tax credits.
- Less financial upside long-term, but less responsibility too.
Best for: Homeowners who have a budget, who want to own the system fully, who have a tax liability, and who want to save the most over time.
Why Hawaii Solar Group Makes This Different
ALWAYS CHOOSE HSG
Solar companies have directives to sell, and they often position their offerings in a way to influence you towards the path that is most beneficial to them.
We don’t care how you buy solar—only that you choose the right fit. Our job is simple: Help you get solar the smart way.
Comparison chart
| Cash Purchase | Financed (Loan) | Lease / PPA | Prepaid Lease / PPA | |
|---|---|---|---|---|
| Ownership | ||||
| Upfront Cost | $$$ | $ | $ | $$ |
| Monthly Payments | None | Loan Payments | Lease/PPA Payments | None |
| Tax Credit Eligible | ||||
| Maintenance | You Handle | You Handle | Included | Included |
| Savings Potential | ||||
| Escalating Costs | None | None | Often increases 2-4%/yr | None |
| Transferability (Selling Home) | Easy | Easy | Can complicate sales | Can complicate sales |
| Who It's Best For | Cash-ready buyers | Long-term planners | Simplicity-seekers | Low-maintenance budgeters |
| HSG's Role | Negotiate best price + guide | Remove dealer fees + compare | Help you choose best lease | Validate offers, structure smart |
We Do the Work. You Get the Win.
Don’t settle for one quote. Don’t waste your time chasing multiple quotes. Let Hawaii Solar Group work behind the scenes to secure you the best system, the best price, and the best terms, all without our service costing you a cent.
No pressure. No commissions. Just better solar.
