Compare solar financing for your Philippine home
You do not need the full cash to go solar. The real question is how the monthly payment compares to the bill you already pay. Apolaki lets you compare cash, a loan, and a zero-down subscription side by side — as a monthly figure against your current electricity bill.
Three ways to pay, one honest comparison
There is no single best option — it depends on your cash, your bill and how long you plan to stay. The comparison shows all three in plain peso terms:
- Cash purchase. Highest lifetime savings and fastest payback, if you have the capital.
- Loan. Own the system while spreading the cost; the aim is a monthly payment at or below your current bill.
- Zero-down subscription. A partner owns the array and you subscribe to the energy, typically below your utility rate, with no upfront capital.
Read the monthly figure, not just the sticker
The number that matters is the monthly payment versus your monthly bill. A good financed system replaces a rising, unpredictable bill with a fixed payment that ends — after which the energy is effectively free for the rest of the system's life. Check the term, the rate, what happens at the end, and whether maintenance is included. Our financing guide covers what to compare before you sign.
Solar financing questions
Can I go solar with no money down?
Yes — a zero-down subscription lets a partner own the system while you subscribe to the energy, usually below your utility rate. You can also compare loans that spread the cost.
Will the monthly payment be less than my bill?
That is the goal for a well-sized financed system: a monthly payment at or below your current bill, so you are cash-flow positive from the start. The comparison shows this for your numbers.
Cash or loan — which is better?
Cash gives the highest lifetime savings and fastest payback; a loan lets you own the system without the upfront capital. The right choice depends on your cash and how long you will stay.
Are financing partners named?
We are finalising financing partnerships. The comparison shows the structures and indicative terms today; specific partners will be listed as they are confirmed.
Compare financing against your bill.
Enter your real monthly bill and your roof. In a few minutes you get a clear, no-hype readiness report — cost, savings and payback for your home. Free. No cold calls.