Question 1

What type of finance does Finkey offer?

Accepted Answer

We offer zero-interest payment plans and Green Loans with personalised fixed interest rates. Our 0% finance suits solar, battery and wind energy systems under $35,000 delivered and installed by a Finkey Network Vendor. Our Green Loans suit home projects or renovations under $50,000 that incorporate renewable or efficient technology and sustainably sourced or produced materials.

Question 2

Why finance my project instead of paying cash or using a credit card?

Accepted Answer

Finkey lets you manage the expense without paying it all at once, so you keep money in your pocket for rainy days. You increase your property’s equity by spreading the cost with straightforward, predictable and flexible payments, and financing with our 0% payment plans or Green Loans typically saves on interest compared with a credit card. Depending on the project, you can also start saving on your electricity bills straight away.

Question 3

How do I apply and use the finance?

Accepted Answer

Start with a quick online application and get a decision before work begins. Once you verify that the job is complete or the goods have been delivered, we handle the payment: Finkey pays your tradie on your behalf.

Question 4

How do I make repayments?

Accepted Answer

It’s simple: we schedule automatic payments to be debited from your bank account fortnightly. There is never a penalty for paying off your finance early.

Question 5

How do I pay my tradie?

Accepted Answer

We pay on your behalf after a successful application, once the goods and services have been delivered and completed and you’ve verified the completion. Once approved, you will receive your finance or credit agreement with the maximum finance amount.

Question 6

How long do I have to use my finance if I don’t go ahead with the tradie I applied with?

Accepted Answer

Once approved, you have 60 days from the approval date to find another tradie or organise the project to be completed by another Finkey vendor if it involves renewable energy systems or smart home technology.

Question 7

When is my first payment due?

Accepted Answer

Typically within 14 days of verification of completion.

Question 8

How long does approval take?

Accepted Answer

Many applicants receive a decision quickly, often on the same day, after completing the digital application. Timeframes can vary depending on identity, income and credit verification requirements, as well as the details of your chosen project and installer.

Question 9

Is there a catch with 0% finance?

Accepted Answer

There’s no catch. However, you must ensure you meet the eligibility requirements for the product, including the fee structure. For further information, please visit the 0% Interest Green Plan page.

Question 10

What projects are eligible?

Accepted Answer

Finkey focuses on sustainable and approved home improvement projects, including solar systems, battery storage, EV charging, energy-efficient upgrades and related installations. Eligibility depends on the project type, your property, and working with a Finkey-registered vendor.

Question 11

Can I repay early?

Accepted Answer

Yes, early repayments are available on all Finkey products with no additional costs. You can make extra payments or clear your balance at any time, with full terms and any applicable conditions outlined in your loan agreement.

Question 12

What if I experience financial hardship?

Accepted Answer

If your circumstances change, you can contact our hardship team for support. We offer assistance options in line with our responsible lending and dispute resolution framework. See our Hardship page for contact details and timeframes.

Frequently asked questions