Finance
Solar Finance for Hunter Valley and NSW Homes
Solar finance can help you get a system installed now and spread the cost over time, rather than paying it all upfront. At HV Solar, we work with two finance options: Handypay, our finance partner, and the NSW Home Energy Saver Loan delivered by Brighte.
Looking for the NSW Home Energy Saver Loan? 0% interest, up to $15,000.
Go to the loan pageWe're a local, in-house solar team, not a lender, so we'll never push you toward a loan. Our job is to explain your options in plain English, design a system that suits your home and budget, and let you decide what works for you.
Apply with Handypay
Opens in a new tab$2,001 to $75,000
Handypay borrowing range
1 to 10 years
Handypay loan terms
No monthly or early exit fees
With Handypay
0% interest
NSW Home Energy Saver Loan, no fees
Up to $15,000
NSW Home Energy Saver Loan, subject to approval
Local and in-house
Design and install by our own team
How solar finance works
Most people think of solar as one big payment. Finance lets you break that into regular repayments instead, so your system can start working for your household while you pay it off.
Typical residential grid-connected systems from HV Solar sit at around $5,000 to $23,000, and off-grid systems at around $20,000 to $65,000. These are typical ranges only. Your quote will depend on your property, your energy use and what you want the system to do.
Whether finance suits you depends on your circumstances. We can talk through the options, but we can't give financial advice, so it's worth considering your own situation too.
Handypay explained
Handypay is our finance partner, offering Green Loans and payment plans for solar. You can borrow from $2,001 up to $75,000, choose weekly, fortnightly or monthly repayments, and pick a term from 1 to 10 years.
There are no monthly fees, no early repayment fees and no early exit fees. If you want to pay it off sooner, you can.
Handypay is for personal use only, and approval depends on your income, credit history and existing debt. All terms are subject to Handypay's assessment.
The NSW Home Energy Saver Loan
If you own your home in NSW and meet the income limit, you may be able to use the NSW Home Energy Saver Loan. It's a 0% interest loan with no fees, for up to $15,000 and up to 10 years to repay, subject to approval. It's funded by the NSW Government and delivered by Brighte, and HV Solar is authorised through Brighte to offer it.
It's a loan, not a rebate or a grant, so it still needs to be repaid. We've put the full details, eligibility and steps on our NSW Home Energy Saver Loan page.
Finance for off-grid, home and battery systems
Off-grid is our specialty, and these systems are a bigger investment because they replace the grid entirely. Spreading that cost over time can make a properly designed system more achievable, and Handypay's higher borrowing limit may suit larger projects.
For a grid-connected home system, a solar and battery combination, or a battery added to existing solar, both options may be worth a look. The NSW Home Energy Saver Loan covers solar, solar and battery, and battery storage, within its approved-upgrade requirements.
Looking at finance for a business? Handypay is for personal use only, so commercial customers should ask us about options and we'll talk it through.
What to have ready
A quick application goes more smoothly with a few things on hand: your employment or business income details, details of any existing debts, and your ID. If you're applying for the NSW Home Energy Saver Loan, you'll also want to know your household's taxable income and your property details.
Not sure where to start? Call us on 02 4017 1181 and we'll point you in the right direction. No pressure, just a conversation.
How to apply
Getting started
- 01
Chat with us
Tell us about your property and energy use. We'll design a system and give you a clear quote.
- 02
Apply online
Complete the quick online application with Handypay, or with Brighte for the NSW Home Energy Saver Loan.
- 03
Get a decision
With Handypay, a rate estimate comes in minutes with no impact on your credit score. Approval is up to the lender.
- 04
We install, you repay
Our in-house team installs your system, typically 4 to 6 weeks from consultation to commissioning, with remote monitoring and aftercare.
Who can apply (HandyPay)
- Over 18 years old
- Australian citizen or permanent resident
- Receive employment income (including self-employment)
- Finance is for personal use only
- Approval depends on income, credit history and existing debt
HV Solar is not a lender and does not give financial advice. Approval is up to the lender, and rules can change.
FAQ
Finance questions answered
Does HV Solar offer solar finance?+
Yes. We work with Handypay, our finance partner, and we're authorised through Brighte to offer the NSW Home Energy Saver Loan. We're not a lender, and approval is up to the lender.
Will checking my rate affect my credit score?+
With Handypay, a quote and rate estimate won't impact your credit score. A full application and approval depend on Handypay's assessment.
How much can I borrow with Handypay?+
From $2,001 to $75,000, over 1 to 10 years, with weekly, fortnightly or monthly repayments. Terms are subject to Handypay's assessment.
Are there fees with Handypay?+
Handypay advertises no monthly fees, no early repayment fees and no early exit fees. Check the lender's terms for full details.
How fast could funds be available?+
Once you're verified and approved, Handypay says funds can settle in as little as 24 hours. Timing varies by application.
Is there an interest-free solar loan?+
The NSW Home Energy Saver Loan is 0% interest with no fees, for up to $15,000, if you meet the eligibility criteria. It's a loan, not a rebate. See our dedicated page for details.
Can I finance an off-grid system?+
Often, yes, depending on the lender's assessment and the loan limits. Off-grid systems are our specialty, so call us on 02 4017 1181 to talk it through.
Can businesses use finance?+
Handypay is for personal use only. If you're after commercial solar, ask us about options and we'll help. HV Solar is not a lender and does not give financial advice. Approval is always up to the lender, and rules and eligibility can change, so check the lender's official information for the latest.
Want to talk it through?
Call us or send an enquiry and we'll explain your options in plain English, with no hard sell.