When it comes to solar payment options you are spoiled for choice with EFS Solar. Solar installation is a significant investment, regardless of how you pay for it. Understanding your options helps you make the best financial decision for your situation.

Option 1: Pay Cash Upfront

Paying for your solar system outright is the most financially straightforward option. The main advantages are:

  • Maximum long-term savings: No interest costs, so your return on investment is highest.
  • Immediate ownership: The system is yours from day one.
  • Simplicity: No ongoing monthly payments to manage.

Payback on a cash-purchased 6.6kW system is commonly estimated at around 4–7 years, but it is an estimate rather than a guarantee — your own result depends on your usage, tariff, feed-in rate, roof orientation and system size.

Option 2: Solar Payment Plan ($0 Upfront)

EFS Solar offers $0 upfront payment plans that allow you to go solar without an up-front payment. Finance is provided by Humm and Brightee; a monthly fee and T&Cs apply, and the total amount you repay over the term is more than the cash price. Here's how it works:

  • No deposit required: Your system is installed immediately with no upfront cost.
  • Fixed repayments: You pay a fixed amount each month. Whether that is less than your bill savings depends on your usage and tariff, so we model it for your own situation rather than assuming it.
  • Positive cash flow from day one: In many cases, your monthly solar savings exceed your repayment amount, meaning you're ahead financially from day one.

Which Option is Right for You?

The best option depends on your financial situation and goals:

  • If you have savings available and want to maximise your long-term return, cash is king.
  • If you don't want to use your savings or prefer to preserve cash flow, a $0 upfront payment plan lets you start saving immediately with no financial strain.

Government Rebates Apply Either Way

Regardless of how you pay, you're eligible for the federal Small-scale Technology Certificate (STC) rebate, which significantly reduces the effective cost of your system. This rebate is applied automatically at the time of purchase when you use an approved installer like EFS Solar.

Get a Personalised Quote

EFS Solar's team will walk you through the options that best suit your budget and energy goals. Contact us today for a free, no-obligation quote with a full financial breakdown of your expected savings and payback period.