EnergyPlus Home Improvement Financing Illinois

Affordably upgrade the energy efficiency, resilience and comfort of your home. Simple. Transparent. Trusted. Expert.

Improve your home with simple, transparent and trusted fixed rate, low payment financing.

Home improvements can be expensive. But upgrades to your heating and cooling systemsroofing and sidingwindows and doorsinsulation and even kitchens and baths can pay big dividends through energy savings, making your home more resilient to bad weather and improving your home’s livability and comfort. 

Watch our NEIF EnergyPlus Video!

Learn more about our simple, transparent, expert trusted financing by watching this video.

What Improvements Qualify?

National Energy Improvement Fund’s EnergyPlus Loan is for energy, resiliency and other improvements to your home. Work must be performed by a NEIF-Approved Contractor.  Additional work can be part of the financed project if at least 50% of the improvements include:
  • Air Conditioning (Central) – Any efficiency rating
  • Air Sealing & Insulation 
  • Awnings & Shading 
  • Carpet, Flooring, Tile 
  • Electrical Work 
  • Furnaces & Boilers – All Fuels – Any efficiency rating
  • Gas Line Extension 
  • Generators 
  • Geothermal  – Any efficiency rating
  • Heat Pumps – Any efficiency rating
  • Kitchens & Baths 
  • Lighting & Controls 
  • Other Energy Improvements  – Case by case
  • Plumbing Work 
  • Roofing – Any efficiency rating
  • Siding – Any efficiency rating
  • Solar 
  • Tank Removal & Replacement 
  • Water Heaters – All Fuels – Any efficiency rating
  • Water Treatment 
  • Windows & Doors  – Any efficiency rating

Monthly Payment Estimator

Who is Eligible?​

  • 1 to 4-unit primary or secondary (vacation) home – deeded properties and co-operative housing communities
  • Owner-occupied, no investment properties
  • Must be affixed to a permanent foundation
  • Unsecured loans – property type is for qualification purposes only—no lien is filed

Three Simple Steps

1. Get an Estimate
Contact a NEIF-Approved Contractor to get an estimate for qualifying improvements.

2. Fast Approval

Find a NEIF-Approved Contractor and apply via their application link for an instant credit decision. If you don’t have a contractor selected Apply Online directly for a no-obligation credit pre-approval.

3. Installation & Payment to Contractor

Your contractor will send us a copy of your estimate/proposal identifying final price and qualifying improvements. You will receive electronic loan documents for your signature. NEIF pays the contractor when the work is completed to your satisfaction.

NEIF -Approved Contractors

Contractors who have earned the NEIF Seal of Approval are qualified, leading contractors of all sizes authorized to offer NEIF’s trusted, affordable monthly payment plans for energy and resilience upgrades.

They have met NEIF standards for commitment to quality work and customer service, financial stability and personal integrity and leverage our technology, expertise and relationships to broaden their markets in HVAC, Roofing, Remodeling, Lighting, and most energy improvements

If you are not already a NEIF-Approved Contractor, Apply Here!

Learn About Our Partnership with Capital Good Fund

We partnered with Capital Good Fund to offer additional funding options for individuals that do not qualify for the EnergyPlus Loan Illinois. Click here to learn more! 


Program Collateral
Contractor Resources
Contractor Program Fact Sheet
Contractor Overview