Financing your energy upgrade

Financing your solar installation makes allows you to be cash-flow-positive from day one! It also helps you manage your budget, and transition smoothly to renewable energy. Contact us to learn more.

At Winki Energy, we understand that investing in solar panels and battery storage systems is a big decision. While the long-term savings and environmental benefits are undeniable, the initial cost can be a hurdle for many homeowners. So in order to make renewable energy accessible and affordable, we have partnered with the best financing companies in the industry.

Cash-flow positive from day one

This is a phrase that gets thrown around a lot. Let's break it down...

Basically, the point is that if you finance the installation cost of your solar system, you'll have no upfront costs and the cost of repaying the loan is less than what you were paying on your electricity bill.

Putting some numbers to it

Here's an example of a recent installation - one that is quite standard. They chose a 6.6kW solar system with no batteries.

The total cost after government rebates was: $7,000.

They were able to access the $1,400 interest-free loan from Solar Victoria, and with financing to cover the remaining $5,600, could pay $0 upfront.

The Solar VIC loan is interest-free for 48 months and the financing option is interest-free for 60 months.

The table below shows how, without paying anything upfront, they save money from day one and save about $6,500 over 10 years. Note that this doesn't account for inflation and the rapidly increasing cost of electricity, so in reality, the savings will be even greater than this simple table shows.

And just to round out the analysis - let's have a look at how it stacks up if they were to forgo financing and pay up front.

So as you can see, financing does mean they lose about $800 in savings over 10 years, but it they didn't have to fork out that $5,600 to get started! That's a tradeoff many people would happily make.

Which financing options do Winki recommend?

We recommend a number of reputable options.

A loan with you bank

Many people don't know that their bank may allow them to add home-improvement costs to their existing mortgage! This is often the lowest interest loan that you will find, so getting in touch with your bank is definitely a great place to start.

Brighte Finance

Brighte Finance offers easy and affordable payment plans designed specifically for home energy improvements. With Brighte, you can get your solar panels and batteries installed with zero upfront costs and repay the amount in manageable installments.

Key Features:

  • $75 setup fee
  • Options for 60 months interest-free, or a competitive green loan interest rate.
  • Flexible repayment terms

Community First Credit Union

Community First Credit Union offers a variable rate option with no early repayment fees so you can pay off your loan ahead of schedule without any penalties.

Key Features:

  • No early repayment fees
  • Transparent and competitive rates


Plenti offers a seamless financing experience for renewable energy projects. Their quick approval process and personalised loan terms make it easy to start your solar journey. Usually they have a slightly higher interest rate than Brighte Finance and Community First, but their repayment terms may suit some people better.

Key Features:

  • Quick approval process

Why Finance with Winki Energy?

Choosing to finance your solar and battery installation provides several advantages:

  • Affordability: Spread the cost over time to manage your budget effectively.
  • Flexibility: Select a finance plan that fits your financial situation and goals.
  • Convenience: Enjoy a hassle-free application process and quick approvals.

By leveraging these finance options, you can take a significant step towards energy independence and environmental sustainability without the immediate financial strain. At Winki Energy, we’re here to help you navigate the best financing solution for your needs, ensuring your transition to renewable energy is as smooth and affordable as possible.

Ready to power your home with solar energy? Contact Winki Energy today to learn more about our financing options and start your journey towards a greener, more sustainable future.


Dex Magpantay

Get in touch, we’ll do all the heavy lifting

If you're looking for a reliable and experienced team to help you with your solar and energy system needs, contact us today to learn more about how we can help you make the switch to clean, cheap, renewable energy.

Let’s See How Much You Can Save On Your Energy Bills

Winki will listen to your goals to find a solution that fits your individual needs. We can point you in the right direction if you aren't sure what you want - no job is too big or small for us.