When you’re ready to invest in your home’s efficiency, take advantage of low-cost financing solutions specifically designed for homeowners. Many local organizations offer financing options that can help reduce upfront project costs to help you complete energy-efficiency and renewable energy home upgrades.
Some financing options may depend on the location of your home, income level, utility providers or other factors.
Lower your upfront project costs and start saving energy sooner with incentives and affordable financing repaid on your energy bill. Energy Trust works with regional nonprofit lenders Craft3 (NMLS ID#390159) and Puget Sound Cooperative Credit Union (PSCCU), (NMLS ID#619183) to provide an On-Bill Loan Repayment option and preferred rates for energy-efficiency improvements that qualify for Energy Trust incentives.
Homeowners in Oregon:
Savings Within Reach
Oregon On-Bill Loan Repayment
Homeowners in Washington:
Home Energy Upgrades (NW Natural Customers)
Loans may only be used to cover the cost of materials and installation for projects that qualify for Energy Trust incentives. Please review the following table to determine maximum allowable loan amounts. Not all homeowners will qualify for these loans or maximums.
| Offering | Loan amount | Repayment period |
|---|---|---|
| Oregon On-Bill Loan Repayment | Up to $10,000 | Up to 10 years |
| Savings Within Reach | Up to $10,000, depending on upgrade | Up to 10 years |
| NW Natural in Washington | Up to $15,000 | Up to 15 years |
Community Energy Project offers Energy Trust cash incentives as part of a comprehensive package of rebates to reduce your upfront and total project costs.
Community Energy Project’s network of financial lenders provides a wide variety of loan options—including zero-money-down financing and on-bill financing—to help you improve the performance, comfort, efficiency, health and safety of your home within your budget.
Visit Community Energy ProjectSome banks may offer low-interest loans for energy-efficiency projects and renewable energy systems such as solar to help offset out-of-pocket costs. Speak with a home improvement loan specialist at your bank to find out what financing options are available for home energy upgrades.