Finance Your Home Energy Upgrade
Discounted personal loan rates for solar panels, home batteries, EV chargers & more — exclusively for Australian homeowners.
Get Started
Get Your Free Quote
Compare rates from 80+ lenders. No obligation.
Get a Free Quote
Quick Quote (1)
About This Loan
What is a Green Loan?
A discounted personal loan designed for homeowners investing in eligible home energy upgrades — with rates up to 3.14% p.a. lower than a standard personal loan.
- Homeowners only
- NETCC-approved supplier required
- Funds paid directly to your installer
- Borrow up to $70,000
- Competitive personal loan rates
An Energy Upgrade Loan is a personal loan with a green rate discount — designed for homeowners ready to invest in solar panels, home batteries, EV charging, insulation or energy-efficient heating and cooling.
Because your installer must be NETCC-approved (over 2,000 nationally), lenders have confidence in the quality of the work — and pass that on as a rate discount of up to 3.14% p.a. compared to a standard personal loan.
Journey Finance compares 80+ lenders to find you the best rate. We handle the paperwork, and once approved, funds are paid directly to your installer.
What Qualifies?
Eligible Energy Upgrades
These five upgrade types qualify for the discounted Green Loan rate — provided your installer is NETCC-approved.
Solar Panel Installation
Home Battery Systems
EV Home Charging
Energy-Efficient Heating & Cooling
Insulation Upgrades
Why Journey Finance
Australia’s Energy Finance Brokers
We compare 80+ lenders so you don’t have to — and we know which lenders offer the best green loan rates right now.
We Compare 80+ Lenders
One application, dozens of options. We find the best rate for your situation.
Discounted Green Rates
Up to 3.14% p.a. lower than a standard personal loan — broker channel exclusive.
Fast Approval
Get a decision quickly so your installer can schedule the work without delays.
Funds to Your Installer
Funds go directly to your NETCC-approved installer — protecting your investment.
The Process
How It Works
Three simple steps from quote to installation.
Choose Your Upgrade & Installer
Get a final invoice from a NETCC-approved installer for your energy upgrade. We can help you find approved suppliers.
We Find Your Best Rate
We submit your application to 80+ lenders and come back with the best Green Loan rate for your situation.
Funds Direct to Your Installer
Once approved, funds go directly to your installer. The upgrade gets done and you start saving on energy bills.
NETCC Accreditation
What is NETCC?
The New Energy Tech Consumer Code is authorised by the ACCC and administered by the Clean Energy Council — Australia’s peak clean energy industry body.
ACCC Authorised
Authorised by the Australian Competition and Consumer Commission
Clean Energy Council
Administered by Australia’s peak clean energy industry body
2,000+ Suppliers
Over 2,000 approved suppliers across Australia
Consumer Protected
Strengthens protections under Australian Consumer Law
Common Questions
Frequently Asked Questions
What is an Energy Upgrade Loan?
An Energy Upgrade Loan is a discounted personal loan designed specifically for home energy improvements such as solar panels, battery storage systems, EV chargers, heat pumps, and insulation. Journey Finance offers access to rates discounted by up to 3.14% p.a. compared to standard personal loan rates through our panel of 80+ lenders.
Who is eligible for an Energy Upgrade Loan?
Energy Upgrade Loans are available to Australian homeowners (not renters) looking to install NETCC-approved energy upgrades. The loan funds must go directly to the installer — you cannot receive the funds personally. Maximum loan amount is $70,000.
What can I use the loan for?
Eligible uses include solar panel systems, battery storage, EV chargers, heat pumps, energy-efficient heating and cooling, and insulation. All suppliers must be NETCC (New Energy Tech Consumer Code) approved.
What’s the difference between the discount rate and my actual interest rate?
The up to 3.14% p.a. discount is applied against the lender’s standard personal loan rate. Your actual interest rate will depend on your credit profile, loan amount, and term. Journey Finance’s brokers will find you the most competitive rate available across our 80+ lender panel.
How much can I borrow?
You can borrow up to $70,000 for energy upgrade projects. Minimum loan amounts apply and are subject to lender criteria.
Can I refinance an existing loan to get the discounted rate?
No — the Energy Upgrade Loan must be used for new energy upgrade installations only. Refinancing of existing loans is not permitted under this product.
How does the application process work?
Simply complete the quote form above. One of our brokers will contact you to discuss your project, confirm eligible suppliers, and present your loan options. There’s no obligation and no impact on your credit score at the quote stage.