---
title: "Plenti Home Energy Saver Loan — Plenti"
description: "Buy Now Pay Later from Plenti. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/plenti/products/b872ac99-9cd6-4f60-a11a-dd05e0ffca45
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-05T13:14:10Z
---

# Plenti Home Energy Saver Loan — Plenti

> Buy Now Pay Later from Plenti. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**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.

## At a glance

- **From:** 0% (Fixed)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 10 years | 0% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Arrears Fee — Capped at $120.00 per 1 year · A fee which is payable weekly 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. | Other | $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** — 10 years

## Eligibility

- **Minimum age** — 18 years (Must 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 only** (Individual 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** — $1,001.00 (Minimum loan amount $1,001)
- **Maximum limit** — $15,000.00 (Maximum 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 from Plenti

- [Overview](https://www.plenti.com.au/home-energy-saver-loans)

## Data provenance

- Published by Plenti under the Consumer Data Right
- Product ID: `b872ac99-9cd6-4f60-a11a-dd05e0ffca45`
- Last updated by the provider: 5 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/plenti/b872ac99-9cd6-4f60-a11a-dd05e0ffca45
- Provider page: https://www.cdrcompare.au/brands/plenti

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/plenti/products/b872ac99-9cd6-4f60-a11a-dd05e0ffca45) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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