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Z4E Finance Options

There are multiple ways to avail the benefits of solar and/or battery solutions by reducing your electricity costs and moving towards sustainability. Our flexible pay-as-you-go, lease, chattel mortgage and PPA solar finance plans enable customers and businesses to enjoy the benefits of owning solar while not having the hassle to pay it all upfront, maximizing long term savings, positive cashflow and ensuring a peace of mind. Our finance partners are well known in the Australian retail and solar industry with their after pay and financial services.

Capital Purchase Pay As You Go Lease/Chattel Mortgage PPA

Payment plans and interest-free finance can affect the total system price, and approval is subject to the provider's criteria. You'll receive full pricing, terms and any fees in writing before you commit to anything, and every estimate we give states the assumptions behind it.

Capital/Upfront Purchase

Capital/Upfront Purchase

The traditional and still most common way to purchase a sustainable energy solution is to buy in cash upfront. This is ideal for businesses and customers who have the cash available to invest in solar & battery solutions. Major benefits for a upfront capital purchase are:

  • Buy Immediately
  • Enjoy Savings Immediately
  • Highest return on investment
  • Own system from day one
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Pay As You Go

Pay As You Go

Finance partner

Zero interest pay as you go financing for residential households is available through our renowned and trusted partners such as Zip Money, Brighte and leading finance brokers. Major benefits our pay as you go customers enjoy are:

  • Buy Now, Pay Later
  • Residential: Interest free terms range from 6 to 60 months
  • $0 Upfront Payment
  • Ideal for positive cash flow throughout the period
  • Affordable flexible repayments of weekly, fortnightly and monthly schedules
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Lease/Chattel Mortgage

Lease/Chattel Mortgage

A capital lease or chattel mortgage is ideal for commercial and industrial customers installing solar and/or battery solution at their business while eliminating the upfront capital expenditure required. This is done through a payment plan through our finance providers, from which customers benefit through:

  • Payments terms ranging up to 10 years
  • Energy cost savings from day one
  • $0 Upfront Payments
  • Highly competitive plans
  • Ideal for positive cash flow throughout the term
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Power Purchase Agreement

Power Purchase Agreement

A Power Purchase Agreement (PPA) is a long term electricity supply agreement that also enables commercial & industrial customers to install a solar/battery solution at their premises without the upfront capital expenditure. However, as the name suggests the customer purchases the power generated by the system at an agreed purchase rate per unit of electricity(c/kWh) generated. This rate is significantly lower than what you would be paying to your grid-sourced electricity providers. Major customers benefit through a PPA are:

  • Payments terms ranging 7 -30 years
  • Big long term savings
  • No capital outlay
  • No headaches: Operation, Maintenance, Insurance inclusive
  • Ideal for positive cash flow throughout the term
  • Possible revenue stream for landlords
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Common questions

Do you provide finance?

Solar PV systems at times are costly and require upfront investments which can become the leading factor why many are not able to avail it. Therefore Z4E has partnered with financing and pay-as-you-go providers to enable anyone to start reaping in the benefits without the hassle of arranging finance. 0% interest finance options with 6 - 60 month terms are also available. We also have green loans, lease and PPA options. Read the full article: How to read a solar quote (and what should worry you) →

What is your payment process?

Our process is simple: a deposit is paid to secure your system and begin approvals (such as grid applications), then a major payment due once we are ready to install your system and then a remaining balance typically due after installation is completed. We also offer flexible finance options, including interest-free plans. Read the full article: How to read a solar quote (and what should worry you) →

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Government support

NSW interest-free loans for solar and batteries

Beyond the upfront rebates we apply to your price, NSW has offered interest-free loan options to help households spread the cost of solar and battery systems - typically alongside, not instead of, the rebates you already qualify for.

What it is

A government-supported loan letting eligible NSW households finance an approved solar or battery installation over a set term with no interest charged - you repay the principal only.

How it stacks

Loans are generally designed to work with the federal battery rebate and STC discount, so the amount financed is what remains after your incentives are applied - not the full sticker price.

Eligibility

Criteria, loan caps and participating products change as programs are updated, and some are targeted at specific households or postcodes. We confirm what is current and what you qualify for at quote time.

Worth knowing: NSW energy programs are updated periodically and availability can change. Rather than publish figures that go stale, we check the current programs against your situation when we quote - and we will tell you if a standard finance product would actually serve you better. We are not a credit provider and do not give credit advice; for official program details see the NSW Government energy website.
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Your bills, your roof, your numbers

See your system, and your savings, in minutes

Our design tool runs the same engineering logic we do - your usage, your roof, current rebates - and shows you an indicative system with savings, payback and the working shown. No phone number required to see your numbers.

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