Model your project savings and peak-demand reduction
Calculate ROISolar panel financing in Malaysia has never been more accessible. With green loans from major banks starting at 3.5% p.a., zero-upfront PPA models, and government incentives like GITA, Malaysian homeowners and businesses have several proven ways to go solar without breaking the bank.
For a typical 5kW residential system (RM14,999):
Eight Malaysian banks offer dedicated solar financing in 2026:
Cash purchase gives the best ROI (no interest), but financing lets you start saving immediately with RM0 upfront. With bank loans at 3.5-4.5% and solar ROI at 15-25%, financed solar still generates positive cash flow from month one. The math works because your monthly savings (RM300-600) exceed the loan payment (RM210-280).
A PPA means a solar company installs panels on your roof at zero cost. You pay only for the electricity generated — typically 20-30% less than TNB rates. The company owns and maintains the system. Ideal for businesses and factories that want savings without capital expenditure. Learn more about solar PPA.
Zero upfront cost options available. 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 (zero-upfront 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 green loans from 3.5% p.a.
Fixed monthly instalments — own the system at end of term.
Shariah-compliant Murabahah & Ijarah solar financing.
Zero upfront — pay only for electricity generated.
Credit card instalment plans at 0% interest, up to 24 months.
Government-backed GTFS scheme — 2% interest rebate.
Bank-by-bank solar loan guides with rates, eligibility, and application steps.
From 4.0% p.a. — up to 10-year tenure.
From 3.88% p.a. — fast approval for salaried & self-employed.
Lowest rate at 3.5% p.a. — credit score 700+ required.
From 4.2% p.a. — accepts CTOS 650+.
From 4.5% p.a. — accessible for civil servants & B40.
Reviewed by Chandra Rau, SEDA-Registered Solar Consultant · 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 60% tax deduction before the December 2026 deadline, 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 rates from 3.5% to 5.0% p.a. with tenures up to 10 years. The key advantage: your monthly loan repayment is often less than your monthly electricity savings, making the system cash-flow positive from day one. Public Bank currently offers the lowest rate at 3.5% p.a. for green financing.
Cash purchase delivers the best lifetime ROI because there are no interest charges. A typical 8 kWp residential system costs around RM 22,000–28,000 and saves RM 350–500 per month on electricity, paying for itself in 4–6 years. After that, savings are pure profit for the remaining 20+ years of panel life.
Zero-upfront options like PPA (Power Purchase Agreement) and solar leasing eliminate the barrier of initial cost entirely. 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 discounted rate, typically 15–30% below TNB tariffs.
The new Solar ATAP programme (GP/ST/No. 60/2025) replaced NEM from January 1, 2026. The most important change for financing: energy credits no longer carry forward to the next billing cycle. 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 60% green investment tax allowance (deadline December 31, 2026) combined with green bank financing at rates as low as 3.5% p.a. For a RM 800,000 factory solar installation, the GITA allowance alone saves RM 115,200 in corporate tax. Combined with loan interest deductibility, the effective after-tax cost drops dramatically — making solar the most financially compelling capital expenditure available to Malaysian manufacturers today.
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
Green personal loans from 3.5% p.a. with up to 10-year tenure. Compare 6 banks side-by-side and apply in minutes.
Full Guide →0% Down Available0% installment solar panel plans
Pay in fixed monthly installments — just like a car loan. Full system ownership at end of term. From RM 260/month.
Full Guide →Shariah CertifiedBank Islam solar loan — Shariah compliant
Murabahah, Ijarah & Tawarruq structures from Bank Islam, Maybank Islamic, MBSB & Bank Muamalat. No riba.
Full Guide →0% InterestSolar installment payment plan
Pay in 3–24 monthly instalments at 0% interest via your credit card. Affin, AmBank, HSBC, RHB, OCBC & more.
Full Guide →RM 0 UpfrontZero upfront solar power purchase
Trexon installs and owns the panels on your roof. You pay only for electricity — at 10–20% below TNB rates. RM 0 upfront.
Full Guide →Gov't BackedGovernment-backed GTFS solar scheme
2% interest rebate via the Green Technology Financing Scheme (GTFS). Stack with GITA 60% tax allowance. Min RM 50,000 project.
Full Guide →No UpfrontUse solar now, own it later
Monthly rental payments with full ownership transfer at end of term. No upfront capital required. Ideal for SMEs managing cash flow.
Full Guide →B2B / IndustrialPPA, GITA, bank loans for businesses
Dedicated financing guide for factories, offices, warehouses and commercial properties. Includes zero-CAPEX PPA and GITA 60% tax allowance stacking.
Full Guide →Compare all 7 solar financing options available in Malaysia. Choose the method that best fits your financial situation and goals.
| Method | Monthly Payment | Interest Rate | Min Credit Score | Best For |
|---|---|---|---|---|
| Bank Loan - CIMB | RM 400-800 | 3.88% p.a. | 650+ | Homeowners with good credit |
| Bank Loan - Maybank | RM 400-850 | 4.0% p.a. | 680+ | Long tenure (up to 10 years) |
| Bank Loan - Public Bank | RM 380-780 | 3.5% p.a. | 700+ | Lowest interest rate |
| Bank Loan - RHB | RM 420-820 | 4.2% p.a. | 650+ | Quick approval (3 days) |
| Hire Purchase | Fixed, 5-7 years | 5-6% flat rate | 600+ | Those who prefer fixed monthly |
| Bank Islam (Shariah) | RM 400-850 | Profit rate ~4.5% | 650+ | Shariah-compliant, Murabahah/Ijarah |
| BSN Solar Loan | RM 380-780 | 3.8% p.a. | 600+ | Government-linked, lower requirement |
| PPA (Power Purchase Agreement) | Pay per kWh used | 0% (no loan) | N/A | Zero upfront cost |
| IPP (Industrial) | Negotiable | Commercial rates | Business only | Factories with 24/7 usage |
| MGTC Green Financing | RM 350-750 | 2.5-3.5% (subsidised) | 600+ | Government-backed, lower rates |
Real examples showing monthly savings, system cost, and payback period by property type
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 interest rates, monthly payments, and total costs to find the best fit.
Submit your financing application through our partner banks or directly to MGTC. We handle all paperwork and documentation.
Wait for financing approval. Banks typically take 3-7 business days. 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 all solar panel financing methods available in Malaysia. From zero down payment solar to Islamic financing, find the perfect payment option for your budget.
| Financing Method | Monthly Payment (5kW System) | Interest Rate | Down Payment | Max Tenure | Eligibility | Pros & Cons |
|---|---|---|---|---|---|---|
CIMB Bank Personal Loan View Full Details → | RM 349/month | 3.88% p.a. | 10-20% | 84 months (7 years) | Credit score 650+, Malaysian citizen, age 21-60 | ✓ Low interest rate ✓ Long tenure (lower monthly) ✗ Requires good credit |
Maybank GreenTech Financing View Full Details → | RM 355/month | 4.0% p.a. | 10-20% | 120 months (10 years) | Credit score 680+, homeowner, stable income | ✓ Longest tenure available ✓ Fast approval (3-5 days) ✗ Higher total interest |
Public Bank Personal Financing View Full Details → | RM 340/month | 3.5% p.a. Lowest rate! | 15-25% | 72 months (6 years) | Credit score 700+, higher down payment | ✓ Lowest interest rate ✓ Best total cost ✗ Higher down payment |
RHB Easy Financing-i View Full Details → | RM 360/month | 4.2% p.a. | 10% | 84 months (7 years) | Credit score 650+, quick approval | ✓ Fast approval (3 days) ✓ Low down payment ✗ Slightly higher rate |
GTFS (Green Tech Financing Scheme) via SEDA Malaysia | RM 325/month | 2.5-3.5% p.a. Subsidised! | 5-10% | 96 months (8 years) | Credit score 600+, government-backed scheme | ✓ Government subsidised rate ✓ Lower credit requirement ✗ More paperwork required |
Islamic Solar Financing (Shariah) Murabahah / Ijarah structure | RM 358/month | ~4.5% profit rate | 10-20% | 84 months (7 years) | Credit score 650+, Shariah-compliant preference | ✓ Shariah-compliant ✓ Fixed profit rate ✗ Similar cost to conventional |
Note: Monthly payment examples are based on a 5kW solar system (RM 18,999) with 60-month tenure. Actual payments vary by system size, down payment amount, and approved interest rate. Use our Solar Calculator for personalized 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: Apply to 2-3 banks simultaneously to compare interest rates and get the best deal. Trexon Energy can submit your application to multiple banks at once.
Government-backed subsidised financing via SEDA
The Green Technology Financing Scheme (GTFS) is a Malaysian government initiative managed by SEDA (Sustainable Energy Development Authority) that provides interest rate subsidies for green technology investments, including solar panels. Banks participating in GTFS offer lower interest rates (2.5-3.5% p.a.) compared to conventional loans.
Note: GTFS applications require more documentation (SEDA registration, project approval) but offer the best interest rates. Trexon Energy handles all SEDA paperwork for you at no extra cost.
Real-world monthly payment examples for different system sizes and financing methods. All calculations include interest and total cost.
Ideal for terrace houses (RM 200-350 bill)
Ideal for semi-detached (RM 500-700 bill)
Take advantage of government schemes, tax incentives, and special programs designed to make solar more affordable in Malaysia.
Green Technology Financing Scheme
How It Works: Your bank applies for the 2% interest subsidy on your behalf. The government pays a portion of the interest, reducing your effective rate. Trexon Energy handles all SEDA documentation.
Additional savings for solar investors
Combined Savings: With loan interest deductions, tax allowances, and Solar ATAP credits, your effective system cost can be reduced by 30-40% over 5-7 years.
Sustainable Energy Development Authority
All-Inclusive: Every Trexon Energy installation includes SEDA registration, Solar ATAP application, and full compliance documentation at no extra cost. We handle all government paperwork.
Malaysia offers generous solar rebates, tax benefits, and financing programs. Discover all available incentives for your installation.
Answer a few simple questions to find the perfect solar panel financing method for your situation.
Find your best financing match in 30 seconds
All system sizes are eligible for the financing options above. Choose your ideal system and apply for payment plans that match your budget.
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 pembiayaan panel solar supaya anda boleh mula jimat dari hari pertama tanpa perlu membayar sepenuhnya di hadapan. Pilihan kami merangkumi pinjaman bank konvensional, pembiayaan Islam (tanpa riba), sewa-beli, serta skim sewaan (PPA) di mana anda tidak perlu membeli sistem langsung.
Untuk skim Beli Sekarang Bayar Kemudian (BNPL), bayaran pendahuluan bermula dari RM0. Pinjaman bank untuk solar lazimnya menawarkan kadar faedah antara 3% hingga 5% setahun dengan tempoh bayar balik sehingga 10 tahun. Bagi mereka yang tidak mahu mengambil pinjaman, skim PPA membolehkan anda membayar hanya bagi tenaga solar yang dijana — tanpa kos pendahuluan dan tanpa pemilikan sistem.
Tidak pasti skim mana yang paling sesuai untuk anda? Gunakan kalkulator penjimatan kami untuk menganggar penjimatan bulanan anda, kemudian hubungi pasukan Trexon Energy untuk perbincangan pembiayaan secara percuma. Kami akan membantu anda membandingkan semua pilihan dan memilih ansuran solar yang paling berpatutan mengikut 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 Murabahah and Ijarah options
Power Purchase Agreement — zero upfront cost
Independent Power Producer model for C&I
Green Technology Financing Scheme grants
Use solar now, own it later — no upfront capital
Maybank Green Financing — up to RM 200,000
CIMB Green Personal Financing 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
Side-by-side comparison of solar loan rates from Malaysia's top banks
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 70-90% 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 →Detailed eligibility requirements, interest rates, and application steps for each bank offering solar green loans in Malaysia.
Malaysia's largest bank — up to 10-year tenure, solar ATAP financing
Full Guide →From 3.88% p.a.CIMB EnrichGreen loan — flexible tenure, fast approval for salaried & self-employed
Full Guide →From 3.5% p.a.Lowest rate available — strict credit score 700+ required, up to 10 years
Full Guide →From 4.2% p.a.RHB green personal financing — accepts CTOS 650+, quick disbursement
Full Guide →From 4.5% p.a.Government-linked bank — accessible for civil servants and B40 income group
Full Guide →From 4.5% p.a.Shariah-compliant Murabahah solar financing — no riba, open to all Malaysians
Full Guide →Still deciding? These head-to-head comparisons cover the most common questions Malaysians ask before financing solar.
Malaysia's top two banks — compare rates, tenure, and approval speed for salaried & self-employed borrowers.
Compare Now →Green personal loan or in-house instalment plan? Understand ownership, interest, and total cost differences.
Compare Now →Zero upfront PPA lease or own the system with a green loan? Which option builds more long-term value?
Compare Now →Shariah OptionsMurabahah profit rate vs conventional interest — the real cost difference explained.
Compare Now →Lowest rate (Public Bank 3.5%) vs faster approval (RHB 4.2%) — which is better for 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, no-obligation eligibility check across all financing options.
PPA, GITA, Islamic, Credit Card, Green Bank Loans. Find what fits in 60 seconds.
Detailed comparison of Malaysia's top solar loan options for 2026.
Side-by-side rates for Maybank, CIMB, RHB, Public Bank, Bank Islam.
CIMB, Maybank, Public Bank, RHB — which saves you most?
Complete guide to CIMB's green financing products for solar.
Shariah-compliant solar financing from Bank Islam Malaysia.
0% interest solar financing options and how to qualify.
Maybank, CIMB, Public Bank green loan comparison.