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

A NSW Government program that gives eligible households access to zero-interest, no-fee finance of up to $15,000 for approved energy upgrades, including solar and battery systems, repayable over up to 10 years. The loans are funded by the NSW Government and delivered by participating finance providers.

You may be eligible if your household’s total taxable income is up to $210,000 a year, you own the property as an owner-occupier or landlord, you are an Australian citizen or permanent resident, the property is not social housing or short-stay accommodation, and you meet the provider’s credit assessment. Full criteria are on each provider’s website and can change.

Approved energy upgrades under the program, which include solar systems, battery storage and solar + battery systems, as well as other upgrades such as heat pump hot water. Zero 4 Energy designs and installs solar and battery systems, and the system on your quote must meet the program’s approved upgrade requirements.

Yes. STCs and the federal battery rebate are applied to your system price in the usual way. The loan can finance the remaining cost, up to the $15,000 limit, subject to approval.

Applications are submitted through an accredited vendor, which is us. We design your system and prepare a written quote; you apply online with your chosen provider; the provider assesses the application against its criteria; once the installation is complete and you confirm it, the provider pays us and you repay the provider over the loan term.

We currently offer Home Energy Saver loans through Brighte and Plenti. You choose the provider, and each assesses applications against its own eligibility and credit criteria.

No. We are an installer, not a credit provider, and we do not give financial advice. Whether a loan suits your circumstances is your decision to make with the provider’s information in front of you.