Abstract This paper offers a comprehensive numerical investigation of PVT solar thermal performance using the Finite Difference Method (FDM) for both longitudinal bi-dimensional transient and steady state analysis, which is the unique aspect of this study. Likewise, a thorough analysis of the use of two distinct cooling absorber PVT solar collectors is conducted under realistic climatic conditions. The current modeling methodology can be considered a useful tool that enables rapid bi-dimensional PVT system analysis. The findings show that, in comparison to the PVT tube configuration (587 kWh/m2, 178 kWh/m2), the direct flow square channel has more yearly thermal and electrical gain outputs (608 kWh/m2, 196 kWh/m2). Furthermore, the design of directly flow channels has the advantages of easier integration and effective conduction heat transfer between the fluid and absorber panel. A good agreement between the measured and predicted data was obtained once the current results were compared with theoretical and experimental data in the literature.