Personal Green Loan
Upgrade your home with a competitive personal green rate designed for renovations, repairs and projects that improve energy efficiency, sustainability and climate resilience.
- Finance amount
- $5,000 – $50,000
- Repayment terms
- Up to 60 months
- Flexible terms
- Interest rate
- From 7.29% p.a.**
- 'Green' fixed interest rate
- Comparison rate
- 7.71% p.a.^
Important information about interest rates
**The advertised interest rate is indicative only and is based on a customer with an excellent credit profile. Your final interest rate, repayments and any applicable fees will depend on Finkey’s assessment of your application, including your credit profile, financial circumstances and other lending criteria. Interest rates, fees and charges are subject to change without notice. An application fee applies of $99 for loans up to $10,000, or 1.4% of the approved loan amount for loans over $10,000, capped at $299. An account keeping fee, if applicable, and any default or dishonour fees are disclosed in your loan contract. All applications are subject to Finkey’s credit assessment and approval. Terms, conditions, fees and eligibility criteria apply.
^ Comparison rate calculated on a secured loan of $30,000 over a term of 5 years based on fortnightly repayments. WARNING: This comparison rate is provided for comparison purposes only. Different loan amounts, loan terms, repayment frequencies, interest rates, fees and charges may result in a different comparison rate. The comparison rate does not include fees or charges that are contingent on a future event, such as default or dishonour fees.
Fees and charges
- $99 application fee: for loans up to $10,000
- 1.4% application fee for loans over $10,000: capped at $299
- $15 direct debit dishonour fee: if you miss a payment
- No charge for early repayment
- No ongoing account-keeping fees
What you'll confirm when applying
For goods and services financed under the Green Loan, you'll be asked to confirm the following during the application:
- You are at least 18 years old
- You are the homeowner or title holder of the property
- You have a permanent source of income
- You can provide a copy of your bank statements or account information
- You can provide your driver licence or passport details
- You can provide information about any liabilities (loans, credit cards etc.) you may have
Eligible upgrades
A Green Loan can cover the entire cost of a renovation, improvement or repair under $50,000 that incorporates one or more eligible materials or technologies.
- Solar Panels & Systems
- Home Batteries
- Solar Hot Water
- EV Charging
- Efficient Air Conditioning
- Smart Home Technology
- Certified Insulation
- FSC Timber
- Double & Triple Glazed Windows
- Grey & Rainwater Systems
- Off-Grid Power Systems
- Power Factor Correction
- Low-Flow Plumbing
- Efficient Lighting & Induction Cooking
For example, we can finance the entire cost of your kitchen renovation if you incorporate one or more eligible materials or goods, such as an induction cooktop and/or FSC timber cabinets. See the full green eligibility criteria.
Why choose Finkey
Competitive green rates, tailored to you
Get pricing designed around your project and personal circumstances, not a one-size-fits-all approach.
Simple, predictable repayments
Know exactly what you'll pay and when, with clear schedules and no hidden surprises.
Built for sustainable home upgrades
Finance designed specifically for energy-efficient improvements, renewable technology and eco-friendly renovations.
Fast, fully digital experience
Apply online in minutes and track everything through your secure Finkey account.
Trusted installers & secure processes
Work with Finkey-verified vendors and benefit from strong compliance and customer protection every step of the way.
Only installing solar, a battery or an off-grid system?
You may qualify for the 0% Interest Green Plan, interest-free for the life of the plan.
Assess your eligibility and get your obligation-free personal green rate in about 2 minutes, with no impact on your project timeline.
All applications are subject to Finkey’s credit assessment and approval. Terms, conditions, fees and eligibility criteria apply.