Energy Financing

Even though a home improvement project will save you money after installation, sometimes the up-front cost can be prohibitive to getting started. That's why we've provided you with these three ways to make your project affordable. En EspaƱol

Energy Loans

If you're planning to implement energy projects, but lack the upfront capital, your Energy Advisor will help you determine if a low-cost energy loan through the program is right for you.

What is the Process Like? 

  1. You must live in the City or County of Denver. These loans also available in Boulder County through the EnergySmart program.
  2. You may obtain pre-approval within 2 hours by applying for an Energy Loan online. Call us to get started. 720-865-5520.
  3. Once your application is approved, a loan officer will contact you to set up your membership with the credit union and set up your loan payment structure.
  4. Work with your energy advisor to determine a loan-eligible project scope.
  5. Now you are ready to start working with your Contractor on your energy projects!

Check out our handy Loan Checklist.
Loan Brochure

What makes this loan unique from other home improvement loans?

Some of the benefits include:

  • Lower Interest Rates – Loan loss reserves provided by the Department of Energy (DOE) grant offers the ability to provide lower interest rates (no risk premium required).
  • Easy Application Process – A simple online or phone application process makes it quick and easy to apply. On average, the application takes only 10 – 15 minutes to complete.
  • Appraisal Not Required – Unlike other home or business loans, a property appraisal is not required.
  • Energy Advisor Helps Guide Efficiency Improvements – Energy advisor service comes with this loan, independent of any contractor or company offering a loan
  • Easy Payment Process That Allows Work Begin Immediately – Loans are based on contractor quotes and payment is made jointly to the borrower and contractor, ensuring the work can begin before payment.

Energy Loans in the News

Our Energy Loan program is catching a lot of attention. Hear what others are saying:

Tax Credits

This credit provides a 10% credit for the purchase of qualified energy efficiency improvements to existing homes. The energy-efficiency home products are retroactive for 2012 and must be “placed in service” before December 31st, 2013. Click here for more info.


Xcel Energy Customers: Any Xcel Rebates that you may qualify for can be combined with your Energy Loan.  If you receive a rebate for your project, there is no prepayment penalty if you choose to use it to pay off part or all of your Energy Loan. To find out what rebates you qualify for, talk to your Energy Advisor. Instant rebates available at: Xcel Energy Store

Denver Water Customers: Currently offers a variety of indoor and outdoor rebates for your home. For more information visit their website.

Solar Benefits Colorado - Coming soon! Contact an energy advisor to learn more and be updated mid-August when the solar discount for residents in Denver is available! 720-865-5520


Call us today at 720-865-5520!