Low rate renewable energy loans

Lower your utility bills and help the environment with energy efficient products, funded by a RateSetter renewable energy loan

Start here

Takes 1 minute and won't affect your credit score.

Cleaner, greener products we fund

Save money and help the environment with low rate finance for energy efficient products.

  • Solar panels and batteries
  • Solar water heaters
  • Energy efficient lighting
  • Energy efficient air conditioning
  • Low emission cars and trucks
  • Air source heat pumps
  • Power factor correction
  • Variable speed and frequency drives

A smarter way to finance your eco-friendly projects

RateSetter's low rate renewable energy loan helps you to finance energy efficient and renewable energy projects without having to wait. It takes just 1 minute to get your personalised rate and 5 minutes to complete your online application, and we can pay your installer directly.

  • Low interest rates

    We reward good borrowers with low rates, helping you beat the cost of rising energy prices

  • Flexible loan options

    Secured and unsecured personal loans from $2,001 to $45,000, from
    3 years to 7 years

  • Simply smarter

    No exit fees, no early repayment penalties, and easy online loan management

  • Fast online application

    1 minute RateEstimate. 5 minute application

Helping Australians to go green and save


Value of personal loans funded

30,000+ delighted borrowers

Go green today

  1. 1

    Check your rate

    Check your personalised rate with our 1 minute RateEstimate (it won't affect your credit score)

    1 minute
  2. 2

    Apply online

    Apply online in minutes

    5 minutes
  3. 3


    You may be instantly conditionally approved

  4. 4


    Funds will be transferred directly to the installer

Save time before applying by making sure:
  • You are aged 21 or over
  • You are an Australian citizen or permanent resident, or a New Zealand citizen
  • You have a regular source of income
  • You have a good credit history

Go green with Australia's top rated renewable energy loans

RateSetter is rated 4.8 / 5 by our borrowers on independent review website ProductReview.com.au and 5 / 5 by rating agency Canstar. RateSetter offers the highest rated personal loan in Australia.



"I applied in the morning and was approved by lunchtime the following day. The funds were in my account by close of business the next business day. And the service along the way has been great!"

Tamar Newcastle

"The competitive rates and flexibility for repayments are top notch. Any staff member you speak with are highly qualified and their expertise is outstanding. They are not here to get your money, they are here to help you get to where you want to be. I wouldn't go with anyone else."

Lena Sydney

"The friendly team of people facilitating the progress of the application from start to finish is beyond compare respective of product knowledge, customer service, courteousness and a spirit of happy and lively environment."

Danny Darwin
Sydney Morning Herald - Borrowers

"Watch out big banks, here comes RateSetter"

News - Borrowers

"RateSetter may be about to revolutionise the unsecured credit sector in the same way Aussie and Wizard rocked the mortgage market in the 1990s"


Frequently asked questions

Ready to go green?

Get a RateEstimate now

RateSetter renewable energy loan repayment terms range from 6 months to 7 years. Interest rates range from 3.7% (comparison rate 10.01%) to 6.3% (comparison rate 9.2%), subject to change depending on the rates offered by lenders in our Lending Markets. 

* Representative example: For a 60 month, $30,000 loan for a borrower with a good credit history at a comparison rate of 8.0% p.a., the estimated total amount payable including fees is $36,498 (interest payable is $6,498). 

Rates stated as at 9:00 AM, 12 March 2018 and are subject to change. RateSetter credit criteria and terms and conditions apply. Take out a renewable energy loan today.

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