How Finkey Works - Simple Steps to Finance
Designed for homeowners and installers — clear, fast and stress-free
Finkey makes it easy to upgrade your home with solar, batteries, EV chargers, and energy-efficient improvements — without the upfront cost. Start with a quick online pre-approval, then choose a trusted installer from our verified partner network to complete your project with confidence.
Step-by-Step Guide for Homeowners
-
Step 1 — Apply for Pre-Approval
Apply online in minutes with no obligation and receive a quick decision to understand your budget upfront.
-
Step 2 — Choose a Partner
Select a trusted installer from Finkey’s verified partner network.
-
Step 3 — Get a Quote
Receive a tailored quote that fits within your approved finance limit.
-
Step 4 — Install & Complete
Your tradie completes the installation and Finkey pays them directly.
-
Step 5 — Repay Simply
Manage repayments and account details through your secure Finkey online portal.
FAQs
How long does approval take?
Many applicants receive a decision quickly — often on the same day — after completing the digital application. Timeframes can vary depending on identity, income, and credit verification requirements, as well as the details of your chosen project and installer.
Can I repay early?
Yes, early repayments are available on ALL Finkey products, with no additional costs. You can make additional payments or clear your balance at any time, with full terms and any applicable conditions outlined in your loan agreement.
What projects are eligible?
Finkey focuses on sustainable and approved home improvement projects, including solar systems, battery storage, EV charging, energy-efficient upgrades, and related installations. Eligibility depends on the project type, your property, and working with a Finkey-registered vendor.
What if I experience financial hardship?
If your circumstances change, you can contact our hardship team for support. We offer assistance options in line with our responsible lending and dispute resolution framework.