Model your project savings and peak-demand reduction
Calculate ROISolar panel financing in Malaysia has never been more accessible. With bank loans, 0% card instalments, rent-to-own and, for companies, incentives like GITA, Malaysian homeowners and businesses have several ways to go solar.
A typical 5.58kWp residential system starts from RM19,499:
Several Malaysian banks offer loans that can be used for solar. Check current terms with each bank:
Cash purchase has no interest cost, while financing spreads the cost over time. Compare the repayment your bank quotes with your estimated monthly TNB savings — the result depends on your system size, bill and the loan terms.
A PPA means a third-party solar investor installs and owns the panels on your roof, and you pay only for the electricity generated at a rate set by the owner — compare it with your TNB tariff. Trexon does not offer PPAs. It suits businesses and factories that want to limit upfront capital expenditure. Learn more about solar PPA.
Every route starts with a RM2,000 booking. Start saving on electricity bills from day one with our flexible financing solutions.
Looking for something specific? Explore hire purchase plans, rent-to-own solar, ESCO (performance-based), or MGTC green financing — government-backed and shared-savings options that are often overlooked. Also see our complete 2026 subsidies guide covering Solar ATAP bill credits, GITA tax allowance, and Sarawak grants.
Dedicated guides for every solar financing method available in Malaysia.
Compare Maybank, CIMB & Public Bank solar loans. Check current terms with each bank.
Fixed monthly instalments — own the system at end of term.
Shariah-compliant Murabahah & Ijarah solar financing.
Third-party solar investor PPA. Trexon does not offer PPAs.
Credit card instalment plans at 0% interest, up to 24 months.
GTFS 5.0 — 60–80% government guarantee for companies; no interest rebate.
Bank-by-bank solar loan guides with rates, eligibility, and application steps.
Reviewed by Chandra Rau, CEO, Trexon Energy (SEDA-registered PV service provider) · Last updated: March 2026
Malaysia offers more solar financing options than most countries in Southeast Asia. Whether you are a homeowner looking to cut your TNB electricity bill or a factory owner pursuing the GITA Asset allowance (commissioned and submitted to MGTC by 31 December 2026), the right financing method depends on three factors: your available cash, your credit profile, and your property type.
Bank loans from Maybank, CIMB, Public Bank, RHB, and BSN offer solar-ready loans; check current terms with each bank. Compare your monthly loan repayment with your estimated monthly electricity savings before you decide.
Cash purchase delivers the best lifetime ROI because there are no interest charges. A typical 8.06 kWp residential system costs RM21,999. Payback depends on your bill and consumption, and the savings continue after the system has paid for itself.
PPA and leasing options (Power Purchase Agreement and solar leasing) shrink the barrier of initial cost. The trade-off is that you do not own the system — a third-party provider installs panels on your roof and sells you electricity at a rate set by the owner, so compare it with your TNB tariff. Trexon does not offer PPAs.
The new Solar ATAP programme (GP/ST/No. 60/2025) replaced NEM from January 1, 2026. The most important change for financing: unused export credits are forfeited at the end of each billing period. For domestic users, excess energy is credited at the Energy Charge rate. For commercial and industrial users, credits are calculated using the System Marginal Price (SMP).
This means over-sizing your system no longer makes financial sense. Right-sizing to match your actual consumption pattern ensures every ringgit of your solar investment generates maximum return — whether you pay cash or take a loan. Use our solar calculator to determine the ideal system size for your bill.
Manufacturing companies can stack two powerful incentives: the GITA Asset allowance (60% of qualifying capex, set off against up to 70% of statutory income; commissioned and submitted to MGTC by 31 December 2026) alongside bank financing. For a RM 800,000 factory solar installation, a 60% allowance at the 24% tax rate is worth up to RM 115,200 once fully used. Subject to MGTC verification; confirm with your tax adviser.
Each financing method has its own eligibility requirements, interest rates, and tax implications. Click through to the dedicated guide for your preferred option.
Maybank, CIMB & Public Bank solar loans
Compare bank loans for solar side-by-side. Rates, amounts and tenure are set by each bank — check current terms with the bank.
Full Guide →Fixed InstalmentsFixed monthly instalment plans
Pay in fixed monthly instalments — similar to a car loan. Full system ownership at end of term. Check current terms with the provider.
Full Guide →Shariah-compliantBank Islam solar loan — Shariah compliant
Shariah-compliant options from Islamic banks and Islamic windows. Check the structure, profit rate and eligibility with each bank.
Full Guide →0% InterestSolar installment payment plan
Pay by credit card at Trexon's checkout and choose a 0% instalment plan of up to 24 months (Affin, AmBank, HSBC, RHB, Standard Chartered: 3/6/12/24 months; Alliance, OCBC, UOB: 6/12/24 months).
Full Guide →Third-party PPAThird-party solar power purchase
A third-party solar investor installs and owns the panels on your roof. You pay only for electricity, at a rate set by the owner. Trexon does not offer PPAs.
Full Guide →Companies onlyGovernment-backed GTFS solar scheme
GTFS 5.0 (MGTC): 60–80% government guarantee on the green-technology portion of a bank loan, for companies. No interest rebate; open until 31 Dec 2026 or until the RM1 billion allocation is used.
Full Guide →RM2,000 BookingUse solar now, own it later
Residential rent-to-own through OKAPI over 7 or 10 years; you own the system at the end. Insurance and warranty included; maintenance cover as set out in your OKAPI agreement. Start with the RM2,000 booking.
Full Guide →B2B / IndustrialGITA, bank loans for businesses
Dedicated financing guide for factories, offices, warehouses and commercial properties. Includes the GITA Asset allowance (60%, set off against up to 70% of statutory income) and GTFS 5.0.
Full Guide →Compare the solar financing options available in Malaysia. Check current terms with each bank before you decide.
| Method | Monthly Payment | Interest Rate | Credit Requirement | Best For |
|---|---|---|---|---|
| Bank Loan - Maybank | Per bank quote | Floating rate (Maybank illustration: SBR + 2.70%) | Check with bank | Solar PV Financing, up to RM100,000 and 10 years |
| Bank Loan - CIMB | Per bank quote | Check with bank | Check with bank | Existing CIMB customers |
| Bank Loan - Public Bank | Per bank quote | Check with bank | Check with bank | Existing Public Bank customers |
| Bank Loan - RHB | Per bank quote | Check with bank | Check with bank | Partial financing alongside a cash deposit |
| Hire Purchase | Fixed monthly instalments | Check with bank | Check with bank | Those who prefer fixed monthly instalments |
| Bank Islam (Shariah) | Per bank quote | Check with bank | Check with bank | Shariah-compliant financing |
| BSN Solar Loan | Per bank quote | Check with bank | Check with bank | Nationwide branch network |
| 0% card instalments | Price divided by plan months | 0% on eligible cards | Card issuer approval | Up to 24 months on eligible cards |
| Rent-to-own (OKAPI) | OKAPI quote only | Per OKAPI agreement | OKAPI approval (positive cashflow) | Residential, 7 or 10 years |
| MGTC GTFS 5.0 | Per bank quote | No interest rebate | Check with bank | Companies: 60–80% government guarantee |
Illustrative examples of monthly savings, system cost, and payback period by property type. Actual savings depend on your bill and consumption. Estimate: household using the kWh each system generates, 3.5 sun-hours, 40% used at home, export credited at 27.03 sen for 10 years, excl. AFA.
From application to installation - here's exactly what happens
Contact Trexon for a no-obligation quote. Our team will assess your roof and electricity bill to recommend the right system size.
Review all available financing options. We'll help you compare terms, monthly payments, and total costs.
Submit your financing application through our partner banks or directly to MGTC. We handle all paperwork and documentation.
Wait for financing approval. Approval timing is set by the bank. Once approved, sign the loan agreement and financing documents.
Once financing is confirmed, we schedule your installation. Most residential systems are completed in 1-2 days.
Compare the solar panel financing methods available in Malaysia. From 0% card instalments to Islamic financing, find the payment option that suits your budget.
| Financing Method | Terms | Eligibility | Pros & Cons |
|---|---|---|---|
Maybank Solar PV Financing View Full Details → | Up to RM100,000, up to 10 years, floating rate (Maybank illustration: SBR + 2.70%) | Set by Maybank. Check current terms with the bank. | ✓ Dedicated solar PV product ✓ Longer tenure lowers the monthly payment ✗ Longer tenure raises total interest |
CIMB Bank View Full Details → | Check current terms with the bank. Confirm which product applies to solar. | Set by CIMB. | ✓ Existing CIMB customers may find it simpler ✗ Requires a credit assessment |
Public Bank Personal Financing View Full Details → | Check current terms with the bank. | Set by Public Bank. | ✓ Existing Public Bank customers may find it simpler ✗ Requires a credit assessment |
RHB Financing View Full Details → | Check current terms with the bank. | Set by RHB. | ✓ May suit partial financing alongside a cash deposit ✗ Requires a credit assessment |
GTFS 5.0 (MGTC) Companies only | 60–80% government guarantee on the green-technology portion of a bank loan; no interest rebate. Open until 31 Dec 2026 or until the RM1 billion allocation is used. | Companies only — not for residential homeowners. | ✓ Government guarantee supports bank lending ✗ No interest rebate ✗ More paperwork |
Islamic Solar Financing (Shariah) Structure set by the bank | Check current terms with the bank, including the structure and profit rate. | Set by the bank. | ✓ Shariah-compliant ✗ Cost may be similar to conventional financing |
0% card instalments Eligible credit cards at checkout | 0% instalment plan of up to 24 months (Affin, AmBank, HSBC, RHB, Standard Chartered: 3/6/12/24 months; Alliance, OCBC, UOB: 6/12/24 months). | Eligible credit card from a participating bank. | ✓ 0% interest on the instalment plan ✗ Needs an eligible card and credit limit |
Rent-to-own (OKAPI) Residential, 7 or 10 years | You own the system at the end of the term. Insurance and warranty included; maintenance cover as set out in your OKAPI agreement. The monthly figure comes from OKAPI only. | OKAPI approval requires positive cashflow. Batteries cannot be included. | ✓ No bank loan needed ✓ You keep the SuRIA rebate ✗ Subject to OKAPI approval |
Note: Rates, amounts and tenure are set by each bank and may change. Actual payments vary by system size and the rate your bank approves. Use our Solar Calculator for personalised estimates.
Step-by-step application process for each solar loan and financing method. We'll guide you through the entire journey from application to installation.
CIMB, Maybank, Public Bank, RHB
Pro Tip: Compare current terms from more than one bank before you apply. Each application may be recorded on your credit report, so check with the bank before applying to several.
Government guarantee on bank loans, managed by MGTC (companies)
GTFS 5.0 is a Malaysian government scheme managed by MGTC (Malaysian Green Technology and Climate Change Corporation). It gives companies a 60–80% government guarantee on the green-technology portion of a bank loan. It carries no interest rebate and is not available to residential homeowners. It is open until 31 December 2026 or until the RM1 billion allocation is used.
Note: GTFS applications require more documentation. Trexon Energy can supply the quotation and technical documents for your application.
Payment routes for popular system sizes. Bank repayments depend on the rate and tenure your bank offers, so check current terms with the bank.
Ideal for terrace houses (RM 150-300 bill)
Ideal for semi-detached (about RM 550 bill)
Take advantage of government schemes, tax incentives, and special programs designed to make solar more affordable in Malaysia.
Green Technology Financing Scheme
Participating banks are listed by MGTC. Ask your bank whether it offers a GTFS 5.0-guaranteed loan.
How It Works: You apply for the loan through a participating bank, and the guarantee covers part of the green-technology portion of the loan. Trexon Energy can supply the quotation and technical documents.
Additional savings for solar investors
Combined Savings: Tax allowances (for companies), Solar ATAP credits and lower electricity bills all reduce the cost of owning solar. The result depends on your tax position and consumption.
Sustainable Energy Development Authority
All-Inclusive: Every Trexon Energy installation includes SEDA registration, Solar ATAP application, and full compliance documentation. We handle the government paperwork. TNB's Connection Confirmation Check fee applies above 5 kW single-phase or 15 kW three-phase.
Malaysia offers generous solar rebates, tax benefits, and financing programs. Discover all available incentives for your installation.
Answer a few simple questions to find a solar panel financing method for your situation.
Find a financing match in 30 seconds
Choose your ideal system, then compare the payment routes above. Bank financing is subject to the bank's approval and terms.
Need help choosing the right system size?
Ramai pemilik rumah dan perniagaan di Malaysia ingin memasang panel solar tetapi terhalang oleh kos pendahuluan yang tinggi. Trexon Energy menawarkan pelbagai kaedah pembayaran dan pembiayaan panel solar. Pilihan kami merangkumi pembelian dengan bayaran berperingkat, ansuran 0% pada kad kredit yang layak dan sewa-untuk-milik melalui OKAPI. Pinjaman bank (termasuk pembiayaan Islam patuh Syariah daripada bank Islam) ialah produk bank, bukan produk Trexon. Setiap laluan bermula dengan tempahan RM2,000.
Bagi pembelian, baki dibayar dalam tiga peringkat: 60% apabila Solar ATAP diluluskan, 30% apabila bahan dihantar dan 10% apabila pemasangan dan pentauliahan selesai. Pinjaman bank pula bergantung pada kadar dan tempoh yang ditawarkan setiap bank, jadi semak terma semasa dengan bank. Trexon tidak menawarkan PPA; PPA ditawarkan oleh pelabur solar pihak ketiga.
Tidak pasti skim mana yang paling sesuai untuk anda? Gunakan kalkulator penjimatan kami untuk menganggar penjimatan bulanan anda, kemudian hubungi pasukan Trexon Energy untuk sebut harga percuma. Kami akan membantu anda membandingkan semua pilihan dan memilih laluan pembayaran yang sesuai dengan bajet dan keperluan anda.
Explore all financing methods available for your solar installation
Compare green loans from major Malaysian banks
Fixed monthly installments with flexible tenure
Shariah-compliant financing options
Third-party Power Purchase Agreement — Trexon does not offer PPAs
0% credit card instalment plans
GTFS 5.0 — government guarantee on bank loans for companies
Residential rent-to-own through OKAPI — start with a RM2,000 booking
Maybank Solar PV Financing — up to RM 100,000
CIMB financing options for solar installations
Public Bank green loan for residential solar
RHB green financing for solar installations
Bank Simpanan Nasional MyHome solar add-on
Shariah-compliant solar financing
Compare solar loan options from Malaysian banks. Check current terms with each bank.
Every financing option above applies to all Trexon solar solutions. Explore the solution that fits your property and apply for flexible payment plans.
Cut your TNB bill by about 70% with rooftop solar for landed homes and condos.
Explore Solution →Reduce operating costs for offices, retail spaces, and commercial buildings.
Explore Solution →Industrial-scale solar for factories with high daytime energy demand.
Explore Solution →Large roof area = maximum solar generation for logistics and warehousing.
Explore Solution →24/7 energy demand makes hotels ideal candidates for solar + battery.
Explore Solution →Future-proof your property with solar-powered EV charging infrastructure.
Explore Solution →Store excess solar energy for night use and backup power during outages.
Explore Solution →Right-sized solar packages designed for small and medium businesses.
Explore Solution →Use our solar calculator to find the ideal system size for your electricity bill, then choose the financing option that fits your budget.
Calculate Your Savings →Eligibility notes and application steps for each bank that may finance solar in Malaysia. Check current terms with each bank.
Solar PV Financing — up to 10 years, floating rate (Maybank illustration: SBR + 2.70%)
Full Guide →Check Current TermsCIMB financing options for solar — confirm the product with the bank
Full Guide →Check Current TermsPersonal financing that can be used for solar
Full Guide →Check Current TermsRHB personal or green financing for solar
Full Guide →Check Current TermsGovernment-owned bank with a nationwide branch network, including East Malaysia
Full Guide →Check Current TermsShariah-compliant solar financing — check the structure and profit rate with the bank
Full Guide →Still deciding? These head-to-head comparisons cover the most common questions Malaysians ask before financing solar.
Compare terms and the application process for salaried & self-employed borrowers.
Compare Now →Bank loan or hire purchase instalment plan? Understand ownership, interest, and total cost differences.
Compare Now →Third-party PPA or own the system with a bank loan? Compare the long-term cost.
Compare Now →Shariah OptionsMurabahah profit rate vs conventional interest — the real cost difference explained.
Compare Now →Compare Public Bank and RHB terms — which suits your credit profile?
Compare Now →* Rates and terms are subject to bank approval. All internal links provided for direct access to specific financing details.
Free quote across all financing options.
Credit card instalment, bank loan, OKAPI rent-to-own or cash. Find what fits in 60 seconds.
Detailed comparison of Malaysia's top solar loan options for 2026.
Side-by-side terms for Maybank, CIMB, RHB, Public Bank, Bank Islam.
CIMB, Maybank, Public Bank, RHB — compare current terms.
Complete guide to CIMB's green financing products for solar.
Shariah-compliant solar financing from Bank Islam Malaysia.
0% instalment options and how to qualify.
Maybank, CIMB, Public Bank green loan comparison.
Self-Consumption Solar for buildings that generate and use their own power directly.
How solar leasing works in Malaysia and what Trexon offers instead.
Bank deals, 0% instalment plans, and current incentive bundles.