Our home energy loans help hundreds of Oregon homeowners annually.
Finance up to 100 percent of eligible energy efficiency measures up to a maximum loan amount of $30,000.
No up-front loan fees or prepayment penalties. Perfect credit not required.
Competitive interest rates, with no rate increase for lower credit scores.
Our financing has helped hundreds of homeowners. Our team makes it easy and helps you every step of the way. We look forward to working with you!
* Learn more about Savings Within Reach - Energy Trust of Oregon.
** APR, Annual Percentage Rate based on example loan criteria and assuming a 3-month construction period.
*** Loan availability, terms and conditions current as of 01/01/24 and are subject to change. All loan applications are subject to credit and project approval. Applicants must be a customer of a listed participating utility. Loans are secured by a UCC-1A filing recorded with the county. Subordination may be available with lender approval, fees may vary. Principal balance and interest is due on sale, transfer, refinance or maturity. Examples include financing of Loan Fee and Recording Fee, where applicable.
Our online application is user-friendly and we’re standing by to help. Pre-approval in as few as three to five business days.
Work with your contractor to finalize project cost.
NOTE: Your contractor must be approved as a trade ally by the program and/or utility. Contact us here for more information.
Securely sign your electronic loan documents. By request, document signing is also available by mail.
When your loan documents are signed, your contractor can get to work. When you’re satisfied with the work, you authorize final payment to your contractor.
NOTE: Some programs require a post-project review before final payment can be made to your contractor.
Repay your loan with automated payments through your utility bill.
Tanya loved her 1900 Central Seattle home. But she didn’t love her oil furnace, which was very expensive to run. Nor did she love the fact that her home had almost no insulation. She needed to find a way to make her home energy-efficient and cut costs.
When you repay your loan, we use that money to make other loans. This allows us to serve more homeowners. Over time, this makes a big difference for communities, local economies, and the environment.
Portland General Electric offers additional programs and rebates that may help you save money or time.
Energy Trust of Oregon also offers rebates and incentives.
Download the Home Energy Loan brochure for Oregon homeowners with PGE as their utility. Available in English and Español.
Download this Home Energy Loan FAQ that answers the questions most commonly asked.
“I love numbers! But I never forget that behind every application I review there’s a person that deserves careful and personalized attention.”