PAYGo system enable customers to finance solar home systems - in effect, allowing them to earn the collateral for the solar home systems and, potentially, other future durable household goods. PAYGo system incentivize repayment by using remote lockout technology. If a customer stops paying, his or her lights simply go off. Over time, in addition to margins on equipment sold, the PAYGo provider makes money from interest paid on the loan, and once the loan is paid off, the customer owns his or her home solar system.