No. Through years of market and user research, we have learned that most South Africans don’t want to take out a loan for a solar geyser. No one wants to deal with the paperwork, or pay exorbitant interest rates to unsecured lenders and committing to a fixed monthly payment when you aren’t sure whether you’ll save more is risky. In keeping with this research, we’ve designed a smart hot water service that gives you what you want: you sign up through a process that matches what’s happening in your life, pay nothing extra upfront and only pay a share of what you save.