SOLAR FINANCE MADE EASY

Exploring financing options for your solar journey is the obvious choice, with green loans at competitive rates and interest-free options like Q Card making solar more accessible than ever.

Solar Finance

SOLAR FINANCE

HOW CAN YOU FINANCE YOUR SOLAR?

Switching to solar power not only reduces your reliance on the grid but also saves you money on rising energy costs. While the upfront investment used to be a hurdle for many, now you can easily fund your solar system with a green home loan from New Zeland’s top banks or through interest-free options like Qcard. With low or no interest rates, going solar is more affordable than ever.

Now is the time to invest in solar energy for your home and business. Contact our team for expert guidance and start saving today!

WHY FINANCE A SOLAR SYSTEM?

No upfront
payments

Start saving on energy bills right away without the upfront cost.

Reduced reliance on the grid

Solar Systems generate clean, renewable energy, which means you rely less on traditional utility power. With energy costs rising every year, you will make substantial savings through reduced energy payments.

Increased home valuation

Many home buyers are looking for energy-efficient features. A productive solar system makes your property more attractive to potential buyers.

A smart
investment

Solar Panels are low maintenance and have a long lifespan. As a result, your return on investment improves over time.
ANZ Logo
ASB Logo
BNZ Logo
Kiwibank Logo
Westpac Logo

Finance your solar for $0 upfront with green loans

Take the hassle out of financing your solar system with green home loans. With many banks offering competitive rates, you can enjoy the benefits of solar power without the upfront investment. Our team of experts is here to guide you through the process and help you make the best decision for your home.

ANZ Logo

ANZ Good Energy Home Loan

1.00% P.A. fixed rate for 3 years, up to $80,000.

ANZ’s Good Energy Home Loan provides up to $80,000 for solar panel installations and other home improvements. Enjoy a fixed rate for 3 years, making your home eco-friendly and efficient. Eligibility criteria apply.

ASB Logo

ASB Better Homes Top Up

Up to $80,000 for home improvements or EV purchase, 3-year fixed rate.

ASB Better Homes Top Up lets you borrow up to $80,000 for solar panels and home upgrades, fixed for 3 years. Make your home greener with ease. Minimum equity required, along with quotes for solar installations. Exclusions and conditions apply.

BNZ Logo

BNZ Green Home Loan Top-ups

Borrow up to $80,000 at a 1% p.a. fixed rate for eco-upgrades and EVs. Flexible terms.

BNZ Green Home Loan Top-Ups for Solar and Eco-Upgrades: Finance sustainable changes with up to $80,000 at 1% p.a. fixed rate for 3 years. Improve insulation, ventilation, heating, and go green with electric vehicles. Flexible terms after 3 years.

Kiwibank Logo

Kiwibank Sustainable Energy Loan

Up to $2,000 for renewable systems, waived top-up fee for existing home loan customers.

Kiwibank Sustainable Energy Loan: Unlock up to $2,000 over 4 years for solar and more. No top-up fee for existing customers. Embrace sustainable energy now.

Westpac Logo

Westpac Greater Choices Home Loan

Up to $50,000 interest-free for 5 years for a cozier, eco-friendly home.

Westpac Greater Choices Home Loan for Solar and Beyond Elevate your home with up to $50,000 interest-free for 5 years. Enhance insulation, install solar panel, go green with electric transport. Flexibility and no establishment fees make it ideal for creating a more sustainable home and lifestyle.

INTEREST FREE FINANCE OPTIONS

Click on the tabs below to learn more
Minimum Spend Fees Repayment Amount Lightforce Solar
Finance Fee
Full Terms & Conditions Apply/More Information
6 Months – No deposit, no interest, no surcharge
$500
Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments)
No Interest or Payments for the first 6 months, then minimum payments of 3% of the monthly closing balance, or $10 (whichever is greater).
There are no early repayment fees
0.00%
No payments and no interest for 6 months (“Payment Holiday”) is available on Long Term Finance (LTF) for in-home purchases only. Min Spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.
qmastercard.co.nz
farmersmastercard.co.nz
flightcentremastercard.co.nz
Minimum Spend Fees Repayment Amount Lightforce Solar
Finance Fee
Full Terms & Conditions Apply/More Information
12 Months – No interest
$500
New Customers: $55 establishment fee | Existing Customers: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments)
Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required.
2.95%
12 months interest free is available on Long Term Finance (LTF) for in-home purchases only. Min spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.
qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz
Minimum Spend Fees Repayment Amount Lightforce Solar
Finance Fee
Full Terms & Conditions Apply/More Information
18 Months – no interest
$500
New Customers: $55 establishment fee | Existing Customers: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments)
Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required.
4.00%
18 months interest free is available on Long Term Finance (LTF) for in-home purchases only. Min spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.
qmastercard.co.nz
farmersmastercard.co.nz
flightcentremastercard.co.nz
Minimum Spend Fees Repayment Amount Lightforce Solar
Finance Fee
Full Terms & Conditions Apply/More Information
24 Months – no interest
$500
New Customers: $55 establishment fee | Existing Customers: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments)
Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required.
6.50%
24 months interest free is available on Long Term Finance (LTF) for in-home purchases only. Min spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.
qmastercard.co.nz
farmersmastercard.co.nz
flightcentremastercard.co.nz
Minimum Spend Fees Repayment Amount Lightforce Solar
Finance Fee
Full Terms & Conditions Apply/More Information
36 Months – No interest
$500
New Customers: $55 establishment fee | Existing Customers: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments)
Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required.
8.00%
36 months interest free is available on Long Term Finance (LTF) for in-home purchases only. Min spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.
qmastercard.co.nz
farmersmastercard.co.nz
flightcentremastercard.co.nz
Minimum Spend Fees Repayment Amount Lightforce Solar
Finance Fee
Full Terms & Conditions Apply/More Information
48 Months – No interest
$500
New Customers: $55 establishment fee | Existing Customers: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments)
Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required.
10.00%
48 months interest free is available on Long Term Finance (LTF) for in-home purchases only. Min spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.
qmastercard.co.nz

WHAT OUR CUSTOMERS SAY

We had 21 panels installed by Lightforce, along with a 16kWh Sigenergy battery and a 10kW inverter. The entire process was handled very professionally. Sohil took the time to explain everything clearly and left no questions unanswered, which gave us great confidence in the system.

The installation was completed to a very high standard — neat and tidy, with all connections cleanly installed inside the garage wall. Communication throughout the project was excellent, and we’re very happy with the result. We would gladly recommend Lightforce to anyone considering solar.
Great service from Lightforce, the new solar and battery installation has been outperforming expectations and working really well. The installation team did an incredible job of the fit out, really helpful, efficient and friendly crew. Special shout out to Connor the lead electrician on the job who was super thoughtful throughout the installation and has been available (even in weekends) for some follow up questions and guidance! 🤙🏼🤙🏼
Very happy with our install. The team was great to deal with. Attention to detail and cleaning up is always appreciated.
Awesome job well done . Great bunch of guys. We have a challenging house for access , not a problem for Conor and the boys. Tim was great help also in the back ground too. Keep up the good work . Have recommend Lightforce to several friends . Cheers
Conor absolutely rocked it while installing our battery! His expertise was off the charts, and it was clear he really knows his stuff inside and out. Everything is running like a dream right now—can't thank him enough!
Lightforce have been great!

Kyle (the sales rep), along with Mitchel and Ryan (the installers) were all super friendly and exceedingly knowledgeable!

Installing solar is a big undertaking that involves multiple different companies and throughout the entire process, Lightforce have been available, communicative and a pleasure to deal with at every step!

Would definitely recommend!
Very professional and prompt installation of our solar power system .
Great team. Very professional and helpful.
The Lightforce team of Leo, AJ, Max and Brandon were efficient, professional and friendly. They completed the installed in 2 days and Leo talked us through what we needed to know about the next steps and operating the system once it is certified. We are now looking forward to enjoying the power of the sun soon. We would be happy to recommend Lightforce to anyone considering going solar.
Just fired up the mySigen app. Generated 45kw today. Great team. Quote was easy to understand. Installation was all good. A couple of problems to solve. Was sorted real quick. Next step is getting the new meter to be able to provide some energy back to the grid. My son was just telling how good that ability is. The roofs are there , the lands there. He's going to be in charge of monitoring. Thanks so much Lightforce Solar.

Just saw our May power bill. 2 dollars credit. Last year it was approximately 350 dollars.
We got a 7.8kW solar only (no batteries) with a 6kW inverter installed Sept24. Tied with changing to Meridian to get the 5 year deal with a buy rate locked in. So far in 9 months we have saved $2500 roughly on power. Therefore payback should be just over 4 years which is exactly what we were told by the sales guy.

I found the whole process was super easy, didn't get pushed into something we didn't need. Our system was designed and rated to be the best match for our power consumption and it's really to plan so far. The installation was easy, pain free and the guys were very friendly, tidy and helpful. The only thing that lets it down is that when the system is installed, you then have to wait for another company to test the system before you can go live and this took about 3-4 weeks to get booked in. Not Lightforce at fault here.

For the $11,800 investment I wish I'd done this sooner. I'm not scared to open my power bills anymore 🙂 and with a little change to when you put the dishwasher or dryer on, you can really make big savings each month. Totally recommend Lightforce as the guys to use.
We had a very detailed and thorough assessment done by Lightforce, followed by a smooth installation and all the site specific issues were dealt with very quickly. Happy customer!
Excellent service and our Sonnen battery is fantastic.
We've just had a 20 panel system installed along with an 8kw battery and inverter. All I can say is the whole process from working through the quote right through to the final install and commission was amazing. Everyone involved were very knowledgeable and couldn't have been more helpful. The end result is we have a very tidy install which appears to be producing very close to the estimated amounts so we couldn't be happier. I would not hesitate to recommend this company to anyone considering solar.
Thanks guys....... you're awesome 👍
From initial contact to installation Lightforce Solar exceeded expectations. Javan the salesperson was excellent and Craig the installer worked well with the builders. Craig managed a few visits to pre wire when the ceiling was down which made the job easier. Ran into Craig on the ferry from Picton and had a good chat about solar. I highly recommend Lightforce as they are truely professional.
Have had a Lightforce Solar install at my residence in Lower Hutt and couldn't be happier with the outcome.

The whole team from Ryan, the Ops Manager, Mitch, the onsite electrician and the young men doing the hot heavy mahi on the roof were all wonderful. Hardworking, knowledgeable, friendly and genuinely cared about the solar energy product being installed. A very tidy, nice looking job upon completion which usually means a high standard of workmanship. Looking forward to several years of generating my own solar energy.

Well done Lightforce and thanks very much.
had solar installed great job tidy work freindly people who just got on with the job turned up the day the said on time perfect
thanks Mitch and the boy's.
I have 18 panels and no battery
The team gave me a seamless experience. They explained the system and answered all my questions. They kept me in the loop with progress and the team were polite, efficient and experienced.
I would definitely recommend them.
Solar has been one of those decision that I deliberately took a long time to make the decision on, and I was never going to just do a less than proper full job of any installation.
So when I meet the Lightforce Tauranga team late last year, the meeting of minds was very quick and decisive. The Tauranga team completed the install last week, and this week it was certified and turned on. The team were very quick to respond with a good solution and knew just what I was looking for. The whole process have been just fabulous...what a great team. The skill, the connecting and making it happen was faultless. If you want a team that knows it stuff, and uses quality product, then Lightforce are the team to talk to.
We recently had Lightforce install an upgrade to our existing solar system including 18 new panels with an inverter and a battery. We found Lightforce to be very well organized and professional all the way through the whole process. The communication was clear and prompt and the Installation team was friendly and did a very tidy job. We totally recommend Lightforce and will use them again in the future. AAA+ Thanks Lightforce for making it easy. Cheers Warrick and Vera
Conor was very helpful in proposing the right location for my battery and made sure he listened to me and my thoughts. The workmanship was a a very high standard and he left the job with no mess. He was knowledgeable and explained the process and how the solar and app worked. Very happy customer and would recommend the service provided + I love having solar.
5 Stars Not Enough
I'm a researcher and take time to make a decision and this one again was the right decision. Polite, Considerate, Professional and Expertise are some of the words that come to mind. Lightforce from start to finish have provided the support and understanding in transition from a Main Grid to a Solar Panels and Batteries convert, we are so happy with our choice, equally the Solar and the Company. Its a reasonably important financial decision to invest in solar but it has now come to a time where it absolutely stacks up and provides us the control over our financial direction as we get closer to Winstons Gold Pass, Grey Hair and a Reduction in Income. Bring on the sunny days and we can now spend our excess saving on things we really want to spend them on now, not to a third party that have complete control over your power budget. Talk to Sally, Dylan, Blue and their team they know what there are doing.
Great communication from the team and very professional installation.
A Huge Thank You to the Wellington Installer Team from Lightforce

The Wellington installation team from Lightforce has just completed our installation, and I couldn’t be more impressed! Despite working in windy conditions at height, the team was always friendly, professional, and a pleasure to deal with. They kept me well-informed throughout the process and completed a substantial amount of electrical work to a very high standard.

Led by Ryan, the team delivered a beautifully executed installation and maintained a tidy and organised worksite from start to finish. I’m thrilled with the result and excited for many years of efficient operation. Well done, Lightforce!
Love my new panels, have become addicted to the app too. Thanks Lightforce, a perfect installation
We had a fairly large system designed and installed by Lightforce Solar and have been very happy with everything they've done. They listened to our needs and concerns and the installation has been great. Its worked perfectly for us and whenever we've had a question they've been there to support us and help us out. Fully recommend these guys, Thanks Lightforce Solar 🙂
Lightforce has been great to deal with and the installation team did a beautiful professional job. Awesome friendly crew!
I am super-impressed with the quality of service from Lightforce.
The design and integration of the system has been superb. I particularly appreciated the regular progress reports and the feedback after the installation.
The install crew were amazing. Their workmanship was superb- neat and tidy. Blue and the crew cleaned up the garage and left it better than they found it. It was even vacuumed!
I am a very ‘happy camper’ - especially to see that I am 98% independent of the grid! I would recommend Lightforce to anyone interested in a solar solution.
It was a pleasure dealing with Lightforce. I was impressed by their professional and thorough approach. Solar is what they do - and we were not dealing with a franchise installer! They walked over the roof with me to discuss the best number and location of our panels, and went out of their way to discuss how the system operated. They staff were friendly, respectful and easy to deal with. Overall I would highly recommend Lightforce for your solar install. Maarten
The communications and options available for the solar panels have been well detailed. The date for the installing has been kept up to date. We are waiting with great anticipation on the arrival of the panels on Monday.

FREQUENTLY ASKED QUESTIONS

Here are some of the most common questions we get asked. If you have any specific questions, get in touch.
What is a green home loan?

A Green Home Loan is a special financing option offered by banks to help Kiwis make energy-efficient and eco-friendly upgrades to their homes. These loans often provide low or zero-interest top-ups on existing mortgages, making it more affordable to invest in solar power, battery storage, and other sustainable improvements. It’s an easy way to reduce energy costs while supporting a greener future.

Currently, there are no government subsidies for solar installations in New Zealand. However, many banks offer Green Home Loans, which provide zero to low-interest financing for energy-efficient home upgrades, including solar. These loans make it easier and more affordable for Kiwis to switch to solar with no upfront costs, helping more households enjoy the benefits of clean, cost-saving energy.

Yes, a solar power system can increase the value of your home. Homes with solar are often more attractive to buyers as they offer lower energy costs, energy independence, and a sustainable power source. Studies show that properties with solar tend to sell faster and at a premium compared to those without. Research from Homes.co.nz shows that homes with solar sell for an average of 4.4% more.  Investing in solar is not only a smart way to reduce power bills but also a valuable long-term asset for your home.

No, a battery is not required to install a solar system, but it can enhance the benefits. Without a battery, your system will power your home during the day, and any excess energy will be sent back to the grid. Adding a battery allows you to store surplus energy for use at night or during power outages, increasing energy independence and maximising savings. Whether a battery is the right choice depends on your energy needs—our team can help you decide the best setup for your home.

FIND OUT MORE ABOUT

SWITCHING TO SOLAR

Ready to get a quick quote? Great! Find out how much you can save off your power bills with solar.

Name(Required)
Accepted file types: pdf, doc, docx, jpg, png, xls, xlsx, Max. file size: 10 MB.
This field is hidden when viewing the form
This field is hidden when viewing the form
This field is hidden when viewing the form
This field is for validation purposes and should be left unchanged.