Rebates step down on 1 January 2027. Lock in today’s rate - design your system nowSolar STCs reduce by 20% on 1 January 2027 - how the deeming period worksThe federal battery rebate reduces by 16% on 1 January 2027 - what that means for a battery0% interest, up to $15,000 - NSW Government Home Energy Saver loans now available for eligible NSW householdsZero 4 Energy is a New Energy Tech (NETCC) Approved Seller - accredited under the industry’s leading consumer protection codeOur Solar Design Tool is now live - an engineered estimate for your home in minutesNew website - 63 articles and 78 straight answers to help you decide
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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 including Brighte, Plenti 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
Home Energy Saver loan Avail Now
New: eligible NSW households may be able to finance an approved upgrade with a NSW Government Home Energy Saver loan - 0% interest, no fees on the loan, up to $15,000.
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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NSW Government’s Home Energy Saver loan program

Home Energy Saver loans: 0% interest, up to $15,000

Zero 4 Energy is an approved installer under the NSW Government’s Home Energy Saver loan program. Eligible NSW households can access zero-interest, no-fee finance of up to $15,000 for approved upgrades, repayable over up to 10 years. Home Energy Saver loans are delivered by our finance partners Brighte and Plenti, and every application is subject to the provider’s approval.

The loan

0% interest loan. No fees on the loan. Borrow up to $15,000, with flexible repayments over up to 10 years. Available for eligible NSW households, subject to Brighte or Plenti approval.

Eligibility

Criteria include a household taxable income of up to $210,000 a year, owning the property (owner-occupier or landlord), Australian citizenship or permanent residency, a property that is not social housing or short-stay accommodation, and meeting the provider’s credit assessment. Check the provider’s website for full eligibility criteria.

Approved upgrades

The program covers approved energy upgrades including solar, battery storage and solar + battery systems. The system must meet the program’s approved upgrade requirements, and we confirm this on your quote. STCs and the federal battery rebate still apply to your price as usual.

How it works

1. Design and quote

We design your system and prepare a written quote. Home Energy Saver loan applications must be submitted through an accredited vendor, so we guide you through it.

2. Apply

You apply online with your chosen provider, Brighte or Plenti. The provider assesses your application against its eligibility and credit criteria.

3. Install and repay

Once the job is complete and you confirm it, the provider pays us and you repay the provider over the loan term.

Design My System Home Energy Saver loan page Talk to us about it

Full details: brighte.com.au/nsw · plenti.com.au/home-energy-saver-loans · energy.nsw.gov.au/home-energy-saver

Home Energy Saver loans are funded by the NSW Government and delivered by Brighte. All applications are subject to Brighte’s credit approval criteria. Late payment fees, Terms and Conditions apply. Australian Credit Licence Number 508217

Home Energy Saver loans are funded by the NSW Government and delivered by Plenti. Applications are subject to Plenti’s credit criteria.

Estimated savings are indicative only and vary depending on household circumstances, energy use and installation.

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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