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Comparison Malaysia 2026
Cash vs Card 0% vs Bank Loan vs Islamic vs Hire Purchase vs Rent-to-Own vs GTFS — all 7 financing methods compared side-by-side on cost, monthly payments, and ownership.
All examples based on a 9.92 kWp solar system at RM 23,999 (Solis). Actual costs vary by system size and bank terms. Every Trexon route starts with the RM2,000 booking.
All 7 Financing Methods
Click any method to see full details.
Side-by-Side Comparison Table
9.92 kWp system at RM 23,999 (Solis). Numbers are estimates for illustration.
| Method | Upfront Cost | Monthly | Total (10yr) | Ownership | Interest |
|---|---|---|---|---|---|
| Cash No interest | RM 2,000 booking | RM 0 | RM 23,999 | From installation | None |
| Card 0% Instalments | RM 2,000 booking | About RM 1,000 (24 mo) | RM 23,999 | From installation | None |
| Bank Loan | RM 2,000 booking | Set by bank | RM 23,999 + interest | After settlement | Check with bank |
| Islamic | RM 2,000 booking | Set by bank | RM 23,999 + profit | After settlement | Check with bank |
| Hire Purchase | RM 2,000 booking | Set by financier | RM 23,999 + charges | After final payment | Ask your bank |
| OKAPI Rent-to-Own | RM 2,000 booking | Quoted by OKAPI | Per OKAPI quote | End of 7/10-yr term | Per OKAPI quote |
GTFS 5.0 is for companies only and is not shown for this 9.92 kWp home example.
Rankings by Criteria
No single method wins on every dimension. Pick based on what matters most to you.
No interest cost
Bank loans, Islamic financing and HP add the bank's charges
Smallest monthly commitment
Every route starts with the RM2,000 booking; RTO monthly is quoted by OKAPI
No credit check by a lender
Card, bank, HP and RTO routes are approved by the provider
Ownership from installation
Others transfer ownership later
"Which is Best for Me?" Guide
Match your situation to the right financing method in 30 seconds.
Ownership: Who Owns the System?
You own the system
- Cash purchase — from day 1
- Bank loan — after final payment
- Islamic financing — after final payment
- GTFS-backed company loan — after final payment
- Hire purchase — after final payment
- OKAPI rent-to-own — at the end of the 7- or 10-year term
Not offered by Trexon
- Third-party PPA — the provider owns the system and you pay per kWh
- Zero-upfront rental or leasing plans for homes
Frequently Asked Questions
The most common solar financing questions from Malaysian homeowners and businesses.
Want to understand all 8 government incentives that can reduce your solar cost?
Read our Solar Incentives Malaysia 2026 guideUse Our Calculator to Find Your Best Option
Enter your monthly electricity bill and preferred financing method. We will calculate your exact savings, payback period, and ROI for each option.
Ready to Go Solar?
Our financing advisors will match you with the right option — whether it is cash, card 0% instalments, a bank loan or rent-to-own. Free quote, no obligation.
Explore Financing Options in Detail
Solar Financing Malaysia Overview
All solar financing options available in Malaysia
Bank Loans for Solar
Bank options for solar — check current terms with the bank
Islamic Solar Financing
Ask Islamic banks such as Bank Islam for their current Shariah-compliant financing terms
Rent-to-Own Solar
OKAPI rent-to-own: own the system after 7 or 10 years
GTFS 5.0 for Companies
60–80% government guarantee for companies; no interest rebate