Utility Loan Program

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Loan programs provide financing for the purchase of renewable energy or energy efficiency systems or equipment. Low-interest or zero-interest loans for energy efficiency projects are a common demand-side management (DSM) strategy for electric utilities. State governments also offer low-interest loans for a broad range of renewable energy and energy efficiency measures. These programs are commonly available to the residential, commercial, industrial, transportation, public and nonprofit sectors. Loan rates and terms vary by program; in some cases, they are determined on an individual project basis. Loan terms are generally 10 years or less. In recent years, the federal government has offered loans for renewables and energy efficiency projects. [1]


Utility Loan Program Incentives

Incentive Incentive Type Place Applicable Sector Eligible Technologies Active
APS - GEOSmart Financing Program (Arizona) Utility Loan Program Arizona Residential Solar Water Heat
Photovoltaics
No
APS - Solutions for Business Financing (Arizona) Utility Loan Program Arizona Commercial
Industrial
Institutional
Retail Supplier
Schools
State Government
Central Air conditioners
Chillers
Comprehensive Measures/Whole Building
Custom/Others pending approval
Lighting
Lighting Controls/Sensors
Motor VFDs
Motors
Programmable Thermostats
Yes
Adams Electric Cooperative - Energy Efficiency Loan Program (Pennsylvania) Utility Loan Program Pennsylvania Residential
Rural Electric Cooperative
Building Insulation
Caulking/Weather-stripping
Central Air conditioners
Doors
Equipment Insulation
Heat pumps
Windows
Ground Source Heat Pumps
Yes
Aiken Electric Cooperative - EC Home Improvement Loan Program (South Carolina) Utility Loan Program South Carolina Residential Water Heaters
Heat pumps
Central Air conditioners
Building Insulation
Windows
Doors
Ground Source Heat Pumps
No
Alabama Power - Residential Heat Pump and Weatherization Loan Programs (Alabama) Utility Loan Program Alabama Residential Building Insulation
Caulking/Weather-stripping
Doors
Duct/Air sealing
Heat pumps
Programmable Thermostats
Water Heaters
Windows
Yes
Alameda Municipal Power - Commercial Energy Efficiency Loan Program (California) Utility Loan Program California Commercial Lighting
Custom/Others pending approval
No
Alliant Energy (Wisconsin Power & Light) - Renewable Incentives Loan Program (Wisconsin) Utility Loan Program Wisconsin Commercial
Industrial
Nonprofit
Schools
Local Government
State Government
Tribal Government
Agricultural
Institutional
Solar Thermal Electric
Photovoltaics
Wind
No
Alliant Energy (Wisconsin Power and Light) - Farm Wiring Financing Program (Wisconsin) Utility Loan Program Wisconsin Agricultural Agricultural Equipment
Custom/Others pending approval
Lighting
Yes
Alliant Energy (Wisconsin Power and Light) - Shared Savings Program (Wisconsin) Utility Loan Program Wisconsin Agricultural Agricultural Equipment
Custom/Others pending approval
Heat recovery
Lighting
No
Alliant Energy Interstate Power and Light (Gas and Electric) - Low Interest Energy Efficiency Loan Program (Iowa) Utility Loan Program Iowa Agricultural
Commercial
Fed. Government
Local Government
Nonprofit
Residential
State Government
Boilers
Ceiling Fan
Central Air conditioners
Clothes Washers
Custom/Others pending approval
Furnaces
Heat pumps
Lighting
Processing and Manufacturing Equipment
Programmable Thermostats
Water Heaters
Windows
Vending Machine Controls
Ground Source Heat Pumps
Yes
Alliant Energy Interstate Power and Light (Gas and Electric) - Low Interest Energy Efficiency Loan Program (Minnesota) Utility Loan Program Minnesota Agricultural
Commercial
Industrial
Institutional
Residential
Agricultural Equipment
Custom/Others pending approval
Processing and Manufacturing Equipment
Yes
Amicalola EMC - Energy Resource Conservation (ERC) Loan (Georgia) Utility Loan Program Georgia Residential Building Insulation
Caulking/Weather-stripping
Duct/Air sealing
Central Air conditioners
Custom/Others pending approval
Doors
Heat pumps
Windows
No
Anaheim Public Utilities - Low-Interest Energy Efficiency Loan Program (California) Utility Loan Program California Commercial
Multi-Family Residential
Nonprofit
Building Insulation
Caulking/Weather-stripping
Comprehensive Measures/Whole Building
Duct/Air sealing
Heat recovery
Lighting
Processing and Manufacturing Equipment
Central Air conditioners
Custom/Others pending approval
Heat pumps
Refrigerators
Yes
Anaheim Public Utilities - Residential Rehabilitation Loan and Grant Program (California) Utility Loan Program California Residential
Low-Income Residential
Lighting
Building Insulation
Comprehensive Measures/Whole Building
Heat pumps
Central Air conditioners
Roofs
No
Ashland Electric Utility - Bright Way to Heat Water Loan (Oregon) Utility Loan Program Oregon Residential Solar Water Heat Yes
Ashland Electric Utility - Commercial Conservation Loan Program (Oregon) Utility Loan Program Oregon Commercial
Fed. Government
Local Government
Nonprofit
State Government
Custom/Others pending approval
Lighting
Lighting Controls/Sensors
Refrigerators
Water Heaters
Yes
Ashland Electric Utility - Residential Energy Efficiency Loan Program (Oregon) Utility Loan Program Oregon Residential Building Insulation
Caulking/Weather-stripping
Duct/Air sealing
Heat pumps
Windows
Solar Water Heat
Yes
Athens Utility Board - Residential Heat Pump Loan Program (Tennessee) Utility Loan Program Tennessee Residential Heat pumps No
Austin Energy - Home Energy Loans (Texas) Utility Loan Program Texas Residential
Local Government
Solar Water Heat No
Austin Energy - Residential Energy Efficiency Loan Program (Texas) Utility Loan Program Texas Multi-Family Residential
Residential
Building Insulation
Caulking/Weather-stripping
Central Air conditioners
Duct/Air sealing
Heat pumps
Windows
Yes
Austin Energy - Residential Solar Loan Program (Texas) Utility Loan Program Texas Residential Photovoltaics
Solar Water Heat
Yes
Austin Energy - Solar Loan Program (Texas) Utility Loan Program Texas Residential Photovoltaics No
Avista Utilities - Oregon Residential Weatherization Program (Oregon) Utility Loan Program Oregon Residential Custom/Others pending approval No
Barron Electric Cooperative - Residential Energy Resource Conservation Loan Program (Wisconsin) Utility Loan Program Wisconsin Residential Building Insulation
Caulking/Weather-stripping
Central Air conditioners
Furnaces
Heat pumps
Water Heaters
Windows
Yes
Berkeley Electric Cooperative - HomeAdvantage Efficiency Loan Program (South Carolina) Utility Loan Program South Carolina Residential Building Insulation
Caulking/Weather-stripping
Central Air conditioners
Comprehensive Measures/Whole Building
Custom/Others pending approval
Doors
Duct/Air sealing
Equipment Insulation
Heat pumps
Lighting
Roofs
Water Heaters
Windows
Unspecified technologies
Ground Source Heat Pumps
Yes
Berkshire Gas - Residential Energy Efficiency Loan Program (Massachusetts) Utility Loan Program Massachusetts Residential Building Insulation
Duct/Air sealing
Refrigerators
Water Heaters
Windows
Boilers
Clothes Washers
Dishwasher
Furnaces
Programmable Thermostats
No
Blue Grass Energy - Residential Energy Loans (Kentucky) Utility Loan Program Kentucky Residential Heat pumps
Ground Source Heat Pumps
No
Blue Ridge Electric Cooperative - Heat Pump Loan Program (South Carolina) Utility Loan Program South Carolina Residential Heat pumps
Ground Source Heat Pumps
Yes
Blue Ridge Mountain EMC - Residential Heat Pump Loan Program (North Carolina) Utility Loan Program North Carolina Residential Heat pumps No
Blue Ridge Mountain Electric Membership Corporation - Residential Heat Pump Rebate Program (Georgia) Utility Loan Program Georgia Residential Heat pumps No
Bristol Tennessee Electric Service - Energy Savings Loan Program (Tennessee) Utility Loan Program Tennessee Residential Building Insulation
Doors
Heat pumps
Windows
Yes
Brunswick EMC - Residential Energy Efficiency and Solar Water Heating Loan Program (North Carolina) Utility Loan Program North Carolina Residential Water Heaters
Heat pumps
Caulking/Weather-stripping
Windows
Solar Water Heat
No
Bryan Texas Utilities - Appliance Loan Program (Texas) Utility Loan Program Texas Residential
Multi-Family Residential
Dishwasher
Refrigerators
Water Heaters
Central Air conditioners
Duct/Air sealing
Building Insulation
Windows
No
Bryan Texas Utilities - Energy Efficiency Loan Program (Texas) Utility Loan Program Texas Multi-Family Residential
Residential
Building Insulation
Central Air conditioners
Dishwasher
Duct/Air sealing
Refrigerators
Water Heaters
Windows
No
Bryan Texas Utilities - Low-Interest Insulation Loan Program (Texas) Utility Loan Program Texas Residential Building Insulation No
Butler Rural Electric Cooperative - Energy Efficiency Improvement Loan Program (Ohio) Utility Loan Program Ohio Residential Building Insulation
Caulking/Weather-stripping
Central Air conditioners
Doors
Duct/Air sealing
Heat pumps
Water Heaters
Windows
Ground Source Heat Pumps
Yes
Carbon Power & Light - Energy Conservation Home Improvement Loan (Wyoming) Utility Loan Program Wyoming Residential Water Heaters
Building Insulation
Windows
Doors
No
Carroll EMC - Residential Energy Efficiency Loans (Georgia) Utility Loan Program Georgia Residential Water Heaters
Caulking/Weather-stripping
Duct/Air sealing
Building Insulation
Equipment Insulation
Heat pumps
Central Air conditioners
No
Cass County Electric Cooperative - Residential Energy-Efficiency Loan Program (North Dakota) Utility Loan Program North Dakota Residential Building Insulation
Caulking/Weather-stripping
Central Air conditioners
Doors
Duct/Air sealing
Furnaces
Heat pumps
Roofs
Siding
Water Heaters
Windows
No
Cedar Falls Utilities - Energy Conservation Loan Program (Iowa) Utility Loan Program Iowa Residential Furnaces
Heat pumps
Central Air conditioners
Building Insulation
Motor VFDs
Ground Source Heat Pumps
No
Cedarburg Light & Water Utility - Commercial Shared Savings Loan Program (Wisconsin) Utility Loan Program Wisconsin Agricultural
Commercial
Industrial
Agricultural Equipment
Boilers
Central Air conditioners
Chillers
Clothes Washers
Compressed air
Custom/Others pending approval
Dehumidifiers
Doors
Duct/Air sealing
Energy Mgmt. Systems/Building Controls
Furnaces
Heat pumps
Lighting
Lighting Controls/Sensors
Motor VFDs
Motors
Programmable Thermostats
Refrigerators
Water Heaters
Yes
Central Electric Cooperative - Solar Water Heater Loan (Oregon) Utility Loan Program Oregon Residential Solar Water Heat No
Cherokee Electric Cooperative - Residential Energy Efficiency Loan Programs (Alabama) Utility Loan Program Alabama Residential Building Insulation
Doors
Central Air conditioners
Heat pumps
Water Heaters
Windows
Yes
City of Duluth - Residential Energy Efficiency Loan Program (Minnesota) Utility Loan Program Minnesota Residential Building Insulation
Clothes Washers
Custom/Others pending approval
Dehumidifiers
Dishwasher
Duct/Air sealing
Furnaces
Lighting
Lighting Controls/Sensors
Refrigerators
Water Heaters
Yes
City of Florence Utilities - Residential Heat Pump Retrofit Loan Program (Alabama) Utility Loan Program Alabama Residential Heat pumps No
City of Palo Alto Utilities - Commercial and Non-Profit Efficiency Loan Program (California) Utility Loan Program California Commercial
Industrial
Nonprofit
Building Insulation
Caulking/Weather-stripping
Central Air conditioners
Chillers
Clothes Washers
Comprehensive Measures/Whole Building
Compressed air
Custom/Others pending approval
Dehumidifiers
Dishwasher
Duct/Air sealing
Equipment Insulation
Heat pumps
Lighting
Lighting Controls/Sensors
Motor VFDs
Refrigerators
Siding
Steam-system upgrades
Water Heaters
Windows
Commercial Cooking Equipment
Commercial Refrigeration Equipment
Food Service Equipment
Yes
City of Tallahassee Utilities - Efficiency Loans (Florida) Utility Loan Program Florida Residential Building Insulation
Central Air conditioners
Clothes Washers
Doors
Duct/Air sealing
Heat pumps
Heat recovery
Pool Pumps
Refrigerators
Roofs
Windows
Room Air Conditioners
Ground Source Heat Pumps
Yes
City of Tallahassee Utilities - Solar Loans (Florida) Utility Loan Program Florida Residential Photovoltaics
Solar Pool Heating
Solar Water Heat
Yes
Clallam County PUD - Home Weatherization Loan Program (Washington) Utility Loan Program Washington Commercial
Residential
Duct/Air sealing
Building Insulation
Windows
No
Clallam County PUD - Residential and Small Business Efficiency Loan Program (Washington) Utility Loan Program Washington Commercial
Residential
Building Insulation
Caulking/Weather-stripping
Doors
Duct/Air sealing
Equipment Insulation
Heat pumps
Lighting
Lighting Controls/Sensors
Programmable Thermostats
Water Heaters
Windows
Yes
Clallam County PUD - Residential and Small Business Solar Loan Program (Washington) Utility Loan Program Washington Commercial
Residential
Photovoltaics Yes
Clark Public Utilities - Residential Heat Pump Loan Program (Washington) Utility Loan Program Washington Residential Heat pumps
Ground Source Heat Pumps
Yes
Clark Public Utilities - Residential Weatherization Loan Program (Washington) Utility Loan Program Washington Residential Building Insulation
Duct/Air sealing
Windows
Yes
Clark Public Utilities - Solar Energy Equipment Loan (Washington) Utility Loan Program Washington Residential Photovoltaics
Solar Pool Heating
Solar Water Heat
Yes
Clarksville Department of Electricity - Residential Heat Pump Loan Program (Tennessee) Utility Loan Program Tennessee Residential Heat pumps No
Clay Electric Cooperative, Inc - Energy Conservation Loans (Florida) Utility Loan Program Florida Residential Building Insulation
Duct/Air sealing
Heat recovery
Water Heaters
Solar Pool Heating
Solar Thermal Electric
Solar Water Heat
Central Air conditioners
Doors
Heat pumps
Programmable Thermostats
Refrigerators
Windows
Roofs
Yes
Clay Electric Cooperative, Inc - Solar Thermal Loans (Florida) Utility Loan Program Florida Residential Solar Pool Heating
Solar Water Heat
Yes
Clinton Utilities Board - Residential Heat Pump Loan Program (Tennessee) Utility Loan Program Tennessee Residential Heat pumps No
Coast Electric Power Association - Heat Pump and Weatherization Loan Program (Mississippi) Utility Loan Program Mississippi Residential Building Insulation
Caulking/Weather-stripping
Doors
Duct/Air sealing
Heat pumps
Water Heaters
Windows
Ground Source Heat Pumps
No
Colorado Springs Utilities – Home Improvement Financing (Colorado) Utility Loan Program Colorado Residential Building Insulation
Caulking/Weather-stripping
Doors
Duct/Air sealing
Processing and Manufacturing Equipment
Photovoltaics
Solar Water Heat
Agricultural Equipment
Boilers
Central Air conditioners
Clothes Washers
Dishwasher
Equipment Insulation
Furnaces
Heat pumps
Programmable Thermostats
Refrigerators
Water Heaters
Windows
No
Columbia Gas of Ohio - Home Performance Solutions Loan Program (Ohio) Utility Loan Program Ohio Installer/Contractor
Low-Income Residential
Residential
Boilers
Building Insulation
Duct/Air sealing
Furnaces
Yes
Columbia River PUD - Commercial Energy Efficiency Loan Program (Oregon) Utility Loan Program Oregon Commercial Clothes Washers
Dishwasher
Refrigerators
Water Heaters
Lighting
Lighting Controls/Sensors
Furnaces
Heat pumps
Central Air conditioners
Duct/Air sealing
Building Insulation
Windows
No
Columbia River PUD - Heat Pump Financing Program (Oregon) Utility Loan Program Oregon Residential Heat pumps No
Columbia River PUD - Residential Energy Efficiency Loan Programs (Oregon) Utility Loan Program Oregon Residential Water Heaters
Heat pumps
Building Insulation
Windows
Doors
Ground Source Heat Pumps
No
Columbia River PUD - Residential Renewable Energy Loan Program (Oregon) Utility Loan Program Oregon Residential Photovoltaics
Small Hydroelectric
Wind
No
Columbia River PUD - Water Heater Financing Program (Oregon) Utility Loan Program Oregon Commercial
Residential
Water Heaters No
Columbia Water & Light - Commercial Super Saver Loans (Missouri) Utility Loan Program Missouri Commercial
Fed. Government
Industrial
Nonprofit
State Government
Central Air conditioners
Furnaces
Heat pumps
Lighting
Water Heaters
Solar Space Heat
Solar Water Heat
Yes
Columbia Water & Light - Residential Super Saver Loans (Missouri) Utility Loan Program Missouri Multi-Family Residential
Residential
Building Insulation
Central Air conditioners
Doors
Duct/Air sealing
Furnaces
Heat pumps
Water Heaters
Windows
Solar Space Heat
Solar Water Heat
Yes
Connecticut Light & Power - Small Business Energy Advantage Loan Program (Connecticut) Utility Loan Program Connecticut Commercial
Industrial
No
Connecticut Light & Power - Small Business Energy Advantage Program (Connecticut) Utility Loan Program Utility Loan Program Connecticut Commercial
Fed. Government
Industrial
Local Government
State Government
Central Air conditioners
Chillers
Compressed air
Heat pumps
Lighting
Lighting Controls/Sensors
Motor VFDs
Motors
Programmable Thermostats
No
Connecticut Light & Power - Small Industrial and Commercial Energy Efficiency Loan Program (Connecticut) Utility Loan Program Connecticut Commercial
Industrial
Custom/Others pending approval No
Cookeville Electric Department - Residential Heat Pump Loan Program (Tennessee) Utility Loan Program Tennessee Residential Heat pumps No
Coweta-Fayette EMC - Home Plus Loan Program (Georgia) Utility Loan Program Georgia Residential Building Insulation
Caulking/Weather-stripping
Duct/Air sealing
Water Heaters
Heat pumps
Windows
Yes
Cullman Electric Cooperative - Energy Conservation Loan Program (Alabama) Utility Loan Program Alabama Residential Building Insulation
Heat pumps
Windows
Yes
Cullman Power Board - Residential Heat Pump Loan Program (Alabama) Utility Loan Program Alabama Residential Heat pumps No
Cumberland EMC - Residential Heat Pump Loan Program (Tennessee) Utility Loan Program Tennessee Residential Heat pumps No
Dakota Electric Association - Commercial and Industrial Energy Conservation Loan Program (Minnesota) Utility Loan Program Minnesota Commercial
Industrial
Custom/Others pending approval Yes
Dakota Electric Association - Residential Energy Conservation Loan Program (Minnesota) Utility Loan Program Minnesota Residential Lighting
Windows
Doors
Comprehensive Measures/Whole Building
Custom/Others pending approval
No
Delta-Montrose Electric Association - Residential GeoExchange Loan Program (Colorado) Utility Loan Program Colorado Residential Ground Source Heat Pumps No
Dixie Electric Cooperative - Residential Heat Pump Loan Program (Alabama) Utility Loan Program Alabama Residential Heat pumps
Windows
Yes
Douglas Electric Cooperative - Residential Energy Efficiency Loans (Oregon) Utility Loan Program Oregon Residential Building Insulation
Heat pumps
Yes
Duke Energy - Heating & Cooling Equipment Loan Program (South Carolina) Utility Loan Program South Carolina Residential Furnaces
Heat pumps
Central Air conditioners
Caulking/Weather-stripping
Duct/Air sealing
Building Insulation
Windows
Doors
Siding
Roofs
No
EPUD - Residential Energy Efficiency Loan Programs (Oregon) Utility Loan Program Oregon Residential Building Insulation
Caulking/Weather-stripping
Doors
Duct/Air sealing
Equipment Insulation
Heat pumps
Windows
Yes
EPUD - Solar Water Heater Loan (Oregon) Utility Loan Program Oregon Residential Solar Water Heat No
EWEB - Energy Management Services Loan (Oregon) Utility Loan Program Oregon Commercial Solar Pool Heating
Solar Water Heat
Yes
EWEB - Residential Energy Efficiency Loan Programs (Oregon) Utility Loan Program Oregon Multi-Family Residential
Residential
Building Insulation
Duct/Air sealing
Heat pumps
Programmable Thermostats
Windows
Ground Source Heat Pumps
Yes
EWEB - Residential Solar Water Heating Loan Program (Oregon) Utility Loan Program Oregon Residential Solar Pool Heating
Solar Water Heat
Yes
Electric Cooperative On-Bill Financing Program (Kentucky) Utility Loan Program Kentucky Residential
Low-Income Residential
Heat pumps
Central Air conditioners
Duct/Air sealing
Building Insulation
No
Energy Efficiency Fund (Electric) - Small Business Energy Advantage Program (Connecticut) Utility Loan Program Connecticut Commercial
Fed. Government
Industrial
Institutional
Local Government
State Government
Central Air conditioners
Chillers
Compressed air
Heat pumps
Lighting
Lighting Controls/Sensors
Motor VFDs
Motors
Programmable Thermostats
Yes
Energy West Montana - Conservation Loan Program (Montana) Utility Loan Program Montana Commercial
Residential
Water Heaters
Furnaces
Windows
Custom/Others pending approval
No
Ferry County PUD 1 - Off-Grid Solar PV Financial Assistance (Washington) Utility Loan Program Washington Residential Photovoltaics No
First Electric Cooperative - Home Improvement Loans (Arkansas) Utility Loan Program Arkansas Residential Building Insulation
Doors
Duct/Air sealing
Ground Source Heat Pumps
Heat pumps
Water Heaters
Windows
Yes
Flint Energies - Residential Energy Efficiency Loan Program (Georgia) Utility Loan Program Georgia Residential Building Insulation
Caulking/Weather-stripping
Central Air conditioners
Clothes Washers
Comprehensive Measures/Whole Building
Dishwasher
Doors
Duct/Air sealing
Equipment Insulation
Furnaces
Heat pumps
Programmable Thermostats
Refrigerators
Roofs
Siding
Water Heaters
Windows
Yes
Flint Energies EMC - EC Home Improvement Loan Program (Georgia) Utility Loan Program Georgia Residential Water Heaters
Heat pumps
Central Air conditioners
Caulking/Weather-stripping
Duct/Air sealing
Building Insulation
Windows
Doors
Custom/Others pending approval
Ground Source Heat Pumps
No
Fort Collins Utilities - Home Efficiency Loan Program (Colorado) Utility Loan Program Fort Collins, Colorado Residential Building Insulation
Duct/Air sealing
Furnaces
Heat pumps
Water Heaters
Windows
Central Air conditioners
Comprehensive Measures/Whole Building
Photovoltaics
Yes
Four County EMC - Comfort Loan Program (North Carolina) Utility Loan Program North Carolina Residential Water Heaters
Heat pumps
Central Air conditioners
Building Insulation
Windows
Doors
No
Four-County EMC - Residential Energy Efficiency Loan Program (North Carolina) Utility Loan Program North Carolina Residential Building Insulation
Central Air conditioners
Heat pumps
Water Heaters
Yes
Franklin County PUD - Residential Energy Efficiency Loan Program (Washington) Utility Loan Program Washington Residential
Multi-Family Residential
Clothes Washers
Water Heaters
Heat pumps
Caulking/Weather-stripping
Duct/Air sealing
Building Insulation
Windows
Ground Source Heat Pumps
No
Franklin County PUD - Solar Energy System Loan (Washington) Utility Loan Program Washington Residential
Multi-Family Residential
Solar Water Heat
Photovoltaics
No
Gainesville Regional Utilities- Low-Interest Energy Efficiency Loan Program (Florida) Utility Loan Program Florida Residential Caulking/Weather-stripping
Duct/Air sealing
Water Heaters
Photovoltaics
Solar Water Heat
Central Air conditioners
Clothes Washers
Refrigerators
Roofs
Windows
Yes
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References

  1. DSIRE Glossary