{
  "source": "https://public.cdr.plenti.com.au/cds-au/v1/banking/products/b872ac99-9cd6-4f60-a11a-dd05e0ffca45",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "additionalInformation": {
      "overviewUri": "https://www.plenti.com.au/home-energy-saver-loans"
    },
    "brand": "Plenti",
    "constraints": [
      {
        "additionalInfo": "Minimum loan amount $1,001",
        "additionalValue": "1001.00",
        "constraintType": "MIN_LIMIT"
      },
      {
        "additionalInfo": "Maximum loan amount $15,000. Maximum loan amounts apply per property for a Home Energy Saver loan",
        "additionalValue": "15000.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalInfo": "Loan terms range from 1 year (P1Y) to 10 years (P10Y)",
        "constraintType": "OTHER"
      },
      {
        "additionalInfo": "Applicants must be referred or introduced to Plenti via an accredited approved vendor",
        "constraintType": "OTHER"
      }
    ],
    "description": "Zero-interest loans for eligible NSW households for the purchase of approved products under the NSW Government Home Energy Saver Loan Program. No application fee and no ongoing management fee apply. Borrower must be an owner-occupier of a NSW residential property. Credit subject to approval.",
    "effectiveFrom": "2026-06-17T07:00:00Z",
    "eligibility": [
      {
        "additionalInfo": "Must be 18 years or older",
        "additionalValue": "18",
        "eligibilityType": "MIN_AGE"
      },
      {
        "additionalValue": "Must be an Australian citizen or permanent resident",
        "eligibilityType": "RESIDENCY_STATUS"
      },
      {
        "additionalInfo": "Must be the owner of the NSW residential dwelling that benefits from the loan",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Individual borrowers only",
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "additionalInfo": "Household combined taxable annual income must not exceed $210,000 per year",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Minimum CCR Equifax credit score of 500 or above required",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Must hold an Australian bank account capable of direct debit",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Finance restricted to approved products under the NSW Home Energy Saver Loan Program, including certain rooftop solar systems, residential batteries, inverters and switchboard updates",
        "eligibilityType": "OTHER"
      }
    ],
    "features": [
      {
        "additionalInfo": "Make additional repayments at any time with no fee",
        "featureType": "EXTRA_REPAYMENTS"
      },
      {
        "additionalInfo": "Manage your loan online via the Plenti borrower portal at members.plenti.com.au",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalValue": "No interest applies",
        "featureType": "INTEREST_FREE"
      }
    ],
    "fees": [
      {
        "additionalInfo": "A fee which is payable while the loan account is in arrears, with the amount as specified in your loan contract. Fee cap applies to each 12 month period starting from the loan settlement date.",
        "additionalValue": "P1W",
        "currency": "AUD",
        "feeCap": "120.00",
        "feeCapPeriod": "P1Y",
        "feeMethodUType": "fixedAmount",
        "feeType": "LATE_PAYMENT",
        "fixedAmount": {
          "amount": "2.00"
        },
        "name": "Arrears Fee"
      }
    ],
    "isTailored": false,
    "lastUpdated": "2026-07-10T03:41:14Z",
    "lendingRates": [
      {
        "additionalValue": "P10Y",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "FIXED",
        "loanPurpose": "OTHER",
        "rate": "0",
        "repaymentType": "PRINCIPAL_AND_INTEREST"
      }
    ],
    "name": "Plenti Home Energy Saver Loan",
    "productCategory": "BUY_NOW_PAY_LATER",
    "productId": "b872ac99-9cd6-4f60-a11a-dd05e0ffca45"
  }
}