Discover A Greener Way To Finance Home Improvement

green loans

Find out how you can go green by financing a solar panel system and solar water heating system with our green loans. You’ll find details of our eligibility criteria, application and approval process and costs, here.

The rising cost of electricity can be considered a threat to all Australian homeowners. Solar power systems, solar hot water systems and other energy efficient solutions now give homeowners the unique opportunity to take control of their energy costs. Going solar can provide both environmental and financial benefits. It could potentially reduce your electric bill, increase the value of your property and protect you against soaring energy costs. Not only that, but you can reduce your carbon footprint by installing a solar system, too. Win-win, right?

Solar systems provide remarkable benefits and can prove to be economical over the long haul, which is why they are in such high demand right now. Unfortunately, these systems can come with a hefty price tag. While some consumers can afford to pay for solar solutions upfront, many people don’t have enough cash on hand to finance a solar power system out of pocket. You may be reluctant to harness the power of the sun because you don’t have the cash in your account to pay for it. The good news is – our green loans can put solar solutions within your reach.

What are green loans?

At Nifty, we realize that not everyone can pay for solar panels and solar hot water systems out of pocket. That is why we offer green loans to help consumers finance energy efficient solutions. You can get a loan for up to $5,000. Go green with Nifty!

Loans for eco-friendly home improvements can eliminate the stress and financial hurdle of paying for solar energy solutions in one go. For many potential solar power customers, this is a major deterrent. Instead, you’ll pay off your solar power system over time. You can enjoy the savings on your electric bill immediately. You may even reach a fortunate position where the savings from your solar power system outweigh your loan payments. Now, that’s what we call Nifty!

Where can I get green loans for solar?

Solar panels harness the power of the sun to reduce energy bills. They are useful where the sun shines. A typical solar system lasts at least 25 years. Unfortunately, despite technological advancements in the sector, solar panels are still expensive. The cost of solar panels in Australia can exceed $13,000, which is why many consumers can’t pay for it out of pocket. If an outright purchase of solar panel system isn’t feasible for you right now but you’re concerned about rising energy costs, don’t fret! Nifty’s got you covered.

Our green loans for solar panels can help you avoid the steep costs upfront while giving you the ownership of your solar system. You can purchase the solar panel system and pay for it over time. You shouldn’t delay reaping benefits of a solar panel system when you can go green with a loan from Nifty.

How do green loans work?

Our online application can be completed within a matter of minutes and you may get an outcome within 60 minutes (during normal business hours). So, you don’t have to fill in mountains of paperwork to apply for a green loan with Nifty and wait days before you get an outcome. Just follow the simple steps shown below to apply:

Step 1:

Click here and use our loan calculator to select the amount you need to borrow and the time you need to pay it back. Done? Now click the ‘apply now’ button and complete the application. Don’t worry it only takes minutes to complete.

Step 2:

Once you have completed the application, our experts will review it to determine if you are eligible for the loan. You may get an outcome within 60 minutes (during normal business hours)

Step 3:

If you are approved, we will transfer the funds the same day (if approval comes during normal business hours). Latest, you’ll have the cash with you overnight.

Eligibility Criteria for Green Loans

As responsible lenders, we have specific eligibility criteria that you must meet in order to apply. You’re eligible if you are:

  • At least 18 years old
  • An Australian citizen or permanent resident
  • Have been receiving a regular income
  • Have a valid contact no. and email address

Do you meet our eligibility criteria? That’s great! Now, don’t hesitate to apply for a loan to finance your solar panel system or other eco-friendly home improvement projects.

Credit Checks

We do check your credit for a green loan. However, we also take other factors in the account to determine if our loan is the right option for you. So, low credit may not mean that you can’t get approved. You will get a fair chance and if your current relationship with money is okay, you may get approved.

Green Finance Loans for Solar Hot Water Systems

Some consumers in Australia are interested in installing solar hot water systems to reduce their conventional water heating needs. These systems heat water using the warmth of the sun. They can work side-by-side with a conventional water heater and can last for over 20 years.

By installing a solar hot water system, you can save money as it reduces your reliance on mainstream energy resources like electricity, gas or oil. These systems can reduce your carbon foot and help you save money over the long-term by reducing electricity or gas bills.

Unfortunately, like solar panels, solar hot water systems also come with a hefty price tag. Solar hot water system prices in Australia are between $3,000 and $7,000. If you are interested in installing this type of water heating system in your home but don’t have the cash on hand to pay for it, use our green loan to finance it. You can benefit from the savings on your water heating bill while you pay for your solar water heating system over time. Isn’t that Nifty?

What’s more, you don’t have to deal with pesky appointments with lenders and wait days to get answers. You can easily apply online for our green loans Australia by filling our super simple application. If you are approved for a loan for a solar hot water system, we’ll transfer the funds to you the same day (if approval takes place during normal business hours).

Can I get bad credit green loans?

If you are concerned about bad credit and think that you can’t go green because you have less than perfect credit, don’t worry! Nifty’s got your back.

At Nifty, we do check your credit score. However, we don’t assess your application on your credit history alone. We take a number of factors into consideration to determine if you qualify. Your past may not be perfect, but that doesn’t mean it should hurt your future. With us, you can rest assured that you will get a fair go and won’t be judged based purely on your past. That means you may qualify for a loan even with bad credit. It can’t get any niftier than that!

You might be wondering what other factors we consider to determine your eligibility. Well, the most important thing for us is your current relationship with money. That’s why we use your bank statements of 90 days to determine if our loan is the best option for you.

Transparents Terms

At Nifty, all our loan products are transparent. With no shady fees and hidden charges, you’ll know exactly what you are paying for when you apply for a loan with us. We do charge interest on our green cash loans above $2,000, but that doesn’t mean our loans are expensive. Moreover, we offer simple repayment structures which may make the loan more affordable and convenient for you.

Let’s look at What Your Loan Could Cost You

Loans up to $2,000

The standard fee structure for a short term loan is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on our loans between $300 and $2000 is 199.43%.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Click here to see a worked example.

Loans up to $4,600

The interest rate for Secured Medium Loans is 48%. Maximum Comparison Rate is 67.41% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Click here to see a worked example.

Loans up to $5,000

The interest rate for Secured Large Amount Loans is 21.24%. Maximum Comparison Rate is 48% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Click here to see a worked example.

Just scroll up to Apply with Nifty

Benefits of Applying for a Loan with Nifty

No Gimmicks

All our loan products are transparent. There are no hidden fees associated with any of our loans. You can rest assured that you’ll be paying exactly what you have been told.

Simple Application

You don’t have to fill lengthy applications to apply for a loan with Nifty. Our super simple application requires few details and you may be able to complete it within a few minutes.

Fast Approval

While you may have to wait days to get approved from other lenders, Nifty is different. We realize the value of your time. Most applicants receive an outcome within 60 minutes (during normal business hours).

Quick Funds

We don’t just process applications fast; we are also quick with the transfer of funds. The funds will be transferred to your account the same day provided you are approved during normal business hours. Latest, you’ll have the cash in your account overnight.

Simple Repayment

Our application and approval process is a breeze, but our process for loan repayment is even easier. You’ll be set with a direct debit that’ll automatically come out of your account on the day you agree with us to our terms. This way you won’t have to worry about repayments. When you repay your loan, the payments stop.

Apply with Nifty Loans

Financing green energy solutions wasn’t an easy feat in the past. But, now that you have got Nifty to back you up, you don’t have to worry about paying for solar panels and solar water heating systems in one hit. Use your loan to ease the cost of your solar systems over time and reap the energy savings benefits of those systems.

Nifty truly puts green energy solutions within your reach. Whether you want to reduce your energy costs by installing a solar panel system or wish to supplement your conventional water heating system with a solar hot water system, we can help.

Our green loans may prove to be the right fit for you and help you go green. So, apply today with Nifty today and see if you qualify.

Who can apply?

18 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

You've been receiving a regular income into a personal bank account for at least 3 months.

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00

Medium Loans

$2,001 - $4,600

Medium Loans In An Hour Once Approval Has Been Confirmed
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
Comparison Rate:65.86%**

Medium Loan Example

Loan amount:$2,500
Terms:24 Months,
(104 weekly repayments)
Establishment fee:$400
Total other fees:$1,609.44 (reducing interest)
Total payable:$4,509.44
Weekly installments:$43.36

Large Loans


Get Fast Money Today - Small to Big Cash Loans
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43

* Not applicable. Small loans do not charge an annual interest rate.

** WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.

Who we've helped

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews



- james


Types of loans