Finance

Solar from $0 down. Repayments less than your bill.

Compare interest-free WA loans, green loans, commercial PPAs and BNPL — designed so your monthly repayment is lower than the power bill you're replacing.

  • Interest-free WA battery loan up to $10,000
  • Green loans from 5.99% p.a., approved in 48 hours
  • Commercial PPAs with $0 upfront, day-one savings
  • Stacks with WA + federal rebates automatically
Solar from $0 down. Repayments less than your bill.
Repayment calculator

See your real monthly cost, net of bill savings.

Drag the sliders. Most WA households find their loan repayment is less than the bill they're replacing — meaning the system is genuinely cash-flow positive from day one.

Monthly loan repayment
$168
Net cost after bill savings
+$237 ahead
Assumes 90% bill offset. Actual varies.
Total interest over term
$2,607
Get a locked-in quote

Illustrative only. Actual repayments depend on lender approval, credit assessment, product terms and fees. Not a credit offer. All figures shown in AUD.

Options

Six ways to pay. One low-friction application.

We're accredited with every major green lender in Australia. Tell us your situation and we'll match you to the cheapest option you actually qualify for.

Most popular

WA Interest-Free Battery Loan

0% p.a.Up to 10 yearsUp to $10,000

State-government backed loan for eligible WA households. Zero interest, zero fees. Stacks with the WA battery rebate.

Best for: Adding a battery to new or existing solar
Homes

Green Personal Loan

from 5.99% p.a.3–7 yearsUp to $75,000

Unsecured green loans from Plenti, RACV, Bank Australia and Community First. Fast online approval, funded within 48 hours.

Best for: Whole-home solar, battery + EV charger bundles
$0 upfront

Brighte / Humm BNPL

0% for 24–60 monthsUp to 84 monthsUp to $30,000

Interest-free instalment plans designed specifically for solar and batteries. Instant online approval, paid direct to installer.

Best for: Fast approvals, minimal paperwork
Business

Commercial PPA

Fixed c/kWh7–15 yearsUp to No cap

Power Purchase Agreement — we design, install, own and maintain the system. You buy the solar power at 30–50% below grid rates.

Best for: Businesses that want savings from day one, off-balance-sheet
Business

Chattel Mortgage

from 6.99% p.a.3–7 yearsUp to $500,000+

Own the asset from day one. Interest and depreciation are tax deductible; eligible for instant asset write-off where applicable.

Best for: Businesses claiming full tax benefits
Business

Operating Lease

Fixed monthly3–7 yearsUp to $500,000+

Off-balance-sheet financing. 100% tax-deductible lease payments. No end-of-term residual on eligible structures.

Best for: Cash-flow friendly, no capex
Accredited with Australia's leading green lenders
BrighteHummPlentiRACV GreenBank AustraliaCommunity FirstMacquarieLatitude

Finance questions, answered.

Can I get solar with no money down in WA?+

Yes. Green loans and the WA interest-free battery loan let most Perth homes install a full solar + battery system with $0 upfront. Repayments are typically less than the power bill you're replacing.

What is a Power Purchase Agreement (PPA)?+

Common for commercial systems. A third party owns and maintains the solar plant on your roof, and you buy the electricity it generates at a fixed rate — typically 30–50% below your current grid tariff — with no upfront cost.

Do finance options stack with the WA & federal rebates?+

Yes. Rebates are applied first (reducing the invoice), then finance covers the remaining balance. This is how a $18k system commonly ends up around $6–8k financed.

How fast can I get approved?+

BNPL (Brighte / Humm) is instant. Green personal loans usually fund within 48 hours. The WA interest-free loan takes 5–10 business days.

Will finance affect my home loan?+

Green personal loans and BNPL are unsecured — no charge is registered on your property. They appear on your credit file like any other personal loan.

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Get your premium solar quote

Speak with a WA-based solar expert today. We'll design a system, forecast your ROI and apply for every rebate you're entitled to.

📞 1300 209 503
✉️ info@totalsolar.com.au

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