Maui Solar Financing and Flexible Solar Options

With Hawaii electricity rates among the highest in the nation and solar payback periods shorter than ever, going solar simply makes sense. The good news? Maui homeowners now have more options than ever to make solar affordable without the traditional upfront burden.

Explore your solar solutions below and discover which path delivers the most value for your home.

Prepaid Solar Lease (Our Most Popular Option)

Our new prepaid lease offering is one of the most powerful customer solutions available today. Here's what to know:

• Up to 40% upfront reduction in system cost
• One-time payment — no monthly payments
• 25-year warranty backed by the leasing provider
• Option to take ownership after six years
• Fully transferable if you sell your home

This is not the old-style lease model. This new generation lease passes federal incentives to you upfront, delivering immediate savings instead of waiting months for reimbursement. You get long-term performance, full maintenance coverage, and major savings without the complexity of traditional financing.

For many Maui homeowners, this has become the ideal middle ground between ownership and monthly payment plans.

Power Purchase Agreement (PPA)

Prefer to avoid upfront costs entirely? With a Power Purchase Agreement:

• $0 down
• Fixed monthly rate lower than utility costs
• Immediate savings
• 25 years of maintenance handled for you

You simply pay for the power your system produces, often at a lower rate than what HECO charges, without worrying about repairs or system upkeep.

Cash & Loan Purchase Options

For homeowners who prefer to own their system outright, traditional purchase options are still available. Cash purchases avoid financing costs and typically deliver the strongest long-term return on investment.

Solar PV systems typically range between $30,000 and $60,000 depending on system size and energy goals. Many customers recover their investment in approximately 5–7 years due to energy savings.

Financing options, including HELOCs and solar-specific loan programs, may offer competitive interest rates for qualified homeowners.

Which Solar Option Is Right for You?

Pacific Energy will walk you through every option side-by-side so you can compare:

• Upfront cost
• Long-term savings
• Maintenance coverage
• Transferability
• Ownership flexibility

Whether you choose prepaid lease, PPA, or ownership, our goal is simple: deliver the highest-performing solar system with the smartest financial structure for your situation.

Get your free quote today and see how much you can save.