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Rates and charges

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Financial Table 

Credit Amount (The total of all instalments under this agreement assuming a 10 year term) 

This amount is the aggregate of your current weekly payments over the course of this arrangement (assuming a 10 year term). This amount also reflects the current cash price of the equipment over time plus the service costs of its operation. Your actual weekly payments are adjusted annually each 1 July by CPI (see below) so the total cost of this arrangement may be higher than this amount. 

Annual Percentage Rate 

Your Annual Percentage Rate for a financial year is the percentage increase (if any) in the Consumer Price Index (CPI) published by the Australian Bureau of Statistics (All Groups Perth) on or around 1 July for the completed financial year from the CPI published for the previous year (see clause 11.2 of the general conditions). This rate effectively increases the remaining weekly payments under the arrangement from the time it is applied (being the effective outstanding credit amount). This rate will only apply after the completion of the first full financial year during the term. Therefore, the Annual Percentage Rate is nil for at least the first 11 months and up to 23 months of the term, depending on the month this arrangement begins. We will notify you by email of the applicable CPI increase to the weekly payments at least 5 business days before it is applied 

Weekly Instalments 

You must pay us 521 weekly instalments over the term (as adjusted annually by a CPI increase (if any)). The first instalment is due on the supply start date, defined in clause 5.1(a) of the general conditions. All subsequent repayments will be due on the same day in each weekly, payable in advance. If a payment is due to be made on a day which is not a business day, it is due on or before the next business day. Note: This weekly payment incorporates the cash price of the equipment over time, VPP participation (see clause 7.1 of the general conditions) and the equipment services (see clause 7.2 of the general conditions). We will notify you by email of any CPI increase to your weekly payments. 

Credit Fees and Charges 

Certain fees and charges may apply as listed below. Other additional services may be supplied and charged for on request (see clause 7.3 of the general conditions) 

 

Fee or Charges 

When payable 

Amount 

 

Mobilisation payment / DCEP membership fee 

A fee payable to us on or before the start date 

$250.00 

 

Late payment fee 

If you don’t pay the amount shown on a statement as payable by you in full by the due date 

The higher of $10 as adjusted annually by CPI or posted at www.plicoenergy.com from time to time. 

 

If you end this agreement More than 14 days before the scheduled installation date 

Payable on termination 

$390.00 

 

If you end this agreement 7 – 14 days before the scheduled installation date 

Payable on termination 

$590.00 

 

If you end this agreement 2 – 6 days before the scheduled installation date 

Payable on termination 

$895.00 

 

If you end this agreement on the scheduled installation date or 1 day before the scheduled installation date 

Payable on termination 

$1,299.00 

Information that can change 

We can change the information in this Financial Table without your consent (see clause 28 of the general conditions), to accommodate a change in law, regulatory requirement or to reflect something a law or regulatory requirement permits us to do. 

Default Rate 

8.5% p.a. The default rate of interest may be charged under this agreement on outstanding amounts on a daily basis from and including the due date to (but excluding) the date of payment. 

Mortgage 

A mortgage is deemed to be taken by Plico over the system described in the contract details below (and includes the required and optional equipment) that may be enforced if you are in unremedied breach or are insolvent. 

Enforcement Expenses 

In the event of a breach, enforcement expenses may become payable under this agreement. 

 

WA 

Products 

Weekly Instalment 

Sum of weekly fee 

Interest rate* 

Comparison rate* 

Energy Creator 5 

$30.90 

$16,068 

6.00% 

6.47% 

Energy Creator 10 

$37.90 

$19,708 

5.70% 

6.07% 

Energy Creator 10 + 

$40.50 

$21,060 

6.70% 

7.07% 

Energy Optimiser 10 

$46.00 

$23,920 

7.00% 

7.33% 

Energy Creator 15 

$50.00 

$26,000 

7.23% 

7.54% 

Energy Enhancer 16 + 

$77.50 

$40,300 

7.76% 

7.97% 

Energy Enhancer 25 

$93.00 

$48,360 

7.20% 

7.37% 

Energy Saver 5 

$19.90 

$10,348 

7.45% 

8.25% 

Energy Saver 10 

$27.00 

$14,040 

6.55% 

7.10% 

Energy Saver 10 + 

$30.90 

$16,068 

7.60% 

8.12% 

Energy Saver 15 

$34.50 

$17,940 

6.40% 

6.83% 

Energy Starter (10 Year) 

$19.00 

$9,880 

11.40% 

12.48% 

Energy Starter (7 Year) 

$23.00 

$8,372 

7.50% 

8.50% 

Energy Starter (5 Year) 

$29.00 

$7,540 

5.15% 

6.10% 

 

 

 

 

VIC 

Products: 

Weekly Fee 

Sum of weekly fee 

Interest rate* 

Comparison rate* 

Energy Creator 5 

$34.10 

$17,732 

3.75% 

4.11% 

Energy Creator 10 

$40.90 

$21,268 

3.76% 

4.06% 

Energy Creator 10 + 

$44.20 

$22,984 

4.77% 

5.07% 

Energy Optimiser 10 

$47.50 

$24,700 

7.72% 

8.06% 

Energy Creator 15 

$50.00 

$26,000 

5.09% 

5.36% 

Energy Enhancer 16 + 

$81.90 

$42,588 

6.64% 

6.82% 

Energy Enhancer 25 

$93.00 

$48,360 

6.22% 

6.38% 

Energy Saver 5 

$23.00 

$11,960 

10.86% 

11.72% 

Energy Saver 10 

$30.00 

$15,600 

8.94% 

9.52% 

Energy Saver 10 + 

$32.50 

$16,900 

8.77% 

9.30% 

Energy Saver 15 

$37.50 

$19,500 

8.28% 

8.73% 

Energy Starter (10 Year) 

$21.50 

$11,180 

7.35% 

8.09% 

Energy Starter (7 Year) 

$26.00 

$9,464 

5.27% 

6.25% 

Energy Starter (5 Year) 

$32.50 

$8,450 

2.68% 

3.98% 

*Interest rates and comparison rates have not included Consumer Price Index increase 

Warning: The comparison rates are true only for the examples given and may not include all fees and charges. While a comparison rate can be a useful tool for comparing the cost of different loans, it is important to consider all of a credit contract’s features and not just focus on the comparison rate.