Plenti Home Energy Saver Loan
Buy Now Pay Later
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.
- From
- 0%
- Fixed
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 10 years | 0% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Arrears Fee Applies for 1 week · Capped at $120.00 per 1 year · 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. | Late payment | $2.00 |
Features
- Extra repayments
- Make additional repayments at any time with no fee
- Digital banking
- Manage your loan online via the Plenti borrower portal at members.plenti.com.au
- Interest-free period — No interest applies
Eligibility
- Minimum age — 18 yearsMust be 18 years or older
- Residency status — Must be an Australian citizen or permanent resident
- Must be the owner of the NSW residential dwelling that benefits from the loan
- Individuals onlyIndividual borrowers only
- Household combined taxable annual income must not exceed $210,000 per year
- Minimum CCR Equifax credit score of 500 or above required
- Must hold an Australian bank account capable of direct debit
- Finance restricted to approved products under the NSW Home Energy Saver Loan Program, including certain rooftop solar systems, residential batteries, inverters and switchboard updates
Constraints
- Minimum limit — $1,001.00Minimum loan amount $1,001
- Maximum limit — $15,000.00Maximum loan amount $15,000. Maximum loan amounts apply per property for a Home Energy Saver loan
- Loan terms range from 1 year (P1Y) to 10 years (P10Y)
- Applicants must be referred or introduced to Plenti via an accredited approved vendor
More Information
Published by Plenti under the Consumer Data Right · Last updated 10 July 2026 · Product ID b872ac99-9cd6-4f60-a11a-dd05e0ffca45 · View Source Data (JSON)