PayGo & end-user finance
The machine pays for itself. We built the financing to match.
Rural customers do not fail for lack of demand. They fail for lack of upfront capital. Our PayGo technology and NBFC partnerships turn every DDSolar machine into a financeable, recoverable asset.
The problem we solved
Demand was never the problem. The upfront price was.
A solar fridge or a solar mill earns its owner money every day, but the upfront price stops most rural buyers before they start. So we built financing into the product itself. Over 400 end-user loans later, many to first-time borrowers, our financing stack is as much our product as the hardware.
How PayGo works
From the first small payment to full ownership
Five steps take the customer from the first small payment to owning the unit outright, with the lender seeing repayment data the whole way.
Pay as you go. Own it in the end.
- 1
Down payment
A small down payment, and we install the unit at your site
- 2
Monthly EMI
Paid by NACH auto-debit to our NBFC lending partner
- 3
Unit stays on
Each payment keeps the patented PayGo control (572023) unlocked, via the Angaza platform
- 4
Usage monitored
IoT telemetry (patent 575561) shows runtime and payment status remotely
- 5
Lender sees receivables
Transparent repayment data lets NBFCs finance first-time borrowers
Repeat every month until the loan is repaid, then the unit is yours.
400+ end-user loans mobilised, including concessional finance for women through SHG channels.
See it in action
The DDSolar PayGo refrigerator, explained in two minutes
Straight EMI loans
Financed like a tractor, through RBI-registered NBFC lending partners
DDSolar handles sourcing, paperwork and service at your doorstep; our lending partner underwrites, disburses and collects. The machine itself is the security, hypothecated to the lender until your last EMI. No land or gold collateral.
Agri solutions
Atta chakkis and oil expellers. Tenure 12 to 48 months. Monthly EMIs by NACH auto-debit, with seasonal structuring possible.
PayGo solar refrigerators
Tenure 12 to 24 months. Monthly EMIs by NACH auto-debit, with PayGo control built into the unit.
Commercial & Industrial rooftops
Tenure 12 to 60 months. Monthly EMIs by NACH auto-debit for rooftop and hybrid systems.
Indicative programme terms. Every loan is subject to the lender’s credit approval and KYC. The interest rate depends on the customer’s credit profile, and all charges are shown in your sanction letter.
EMI calculator
Work out your EMI
Pick your product, enter the invoice amount and see the down payment and monthly EMI before you apply.
Indicative only. The final EMI, interest rate and charges are set by the lending partner after credit approval and KYC, and are shown in your sanction letter.
How to apply
Most customers are approved and installed within a week
We do not charge any fee for helping you apply. All charges are the lender’s and are shown in your sanction letter.
Why lenders say yes
Three granted patents make a DDSolar machine an asset a lender can underwrite
That is why our customers get approved when other equipment loans get declined.
IoT fleet telemetry
Patent 575561. IoT-enabled units report remotely: collections intelligence for the lender, uptime proof for you.
PayGo control
Patent 572023. Open-token pay-as-you-go, Angaza-compatible, so receivables sit cleanly on lender books.
Tamper-proof storage
Patent 593480. Hardware-level battery security: what makes the asset recoverable in practice.
Our financing partners
Lenders who understand rural productive-use assets
Partner list indicative; programmes and terms vary by geography and product.
Common questions
Financing, answered
What exactly is PayGo?
Pay-as-you-go control built into the unit. You make a down payment, then pay a monthly EMI by NACH auto-debit to our NBFC lending partner. Each payment keeps the unit unlocked, and when the loan is repaid the unit is yours. The technology is our own (granted Indian patent 572023) and is compatible with the Angaza platform used by lenders worldwide.
I have never taken a loan before. Can I still qualify?
Very likely, yes. Over 400 end-user loans have been mobilised through our programmes, many to first-time borrowers. Lenders assess your trade and repayment ability, not just a credit file, though a signed CIBIL consent form is part of every application.
What is the difference between PayGo and a straight EMI loan?
Both are EMI loans from our RBI-registered NBFC lending partners, paid by NACH auto-debit. On a PayGo solar refrigerator, the built-in lock is tied to repayment, which helps lenders approve first-time borrowers. Atta chakkis, oil expellers and Commercial & Industrial rooftop systems are financed as straight equipment loans, secured against the machine. Interest rates depend on your credit profile, and all charges appear in your sanction letter.
Is there financing designed for women entrepreneurs?
Yes. Concessional finance is available to women through SHG channels, and several of our programmes are 100% women-led.
What do I need to apply?
Basic KYC documents and a signed CIBIL consent form (download it above). Tell us your trade and district, we match you to the right machine and lender, the lender approves, and installation follows.
Finance a DDSolar machine
Tell us your trade and your district. We will match you to the right machine, the right partner and an EMI the machine can pay.