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 systems, roofing and siding, windows and doors, insulation 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 liveability and comfort. 

Simple: 100% financing, instant credit decision, easy paperless process and responsive communication with you and your contractor to ensure the work is done to your satisfaction.

Transparent: Simple interest, fixed rate financing with clear terms, no lien on your home or improvement and no hidden costs. Pay off at anytime or pay extra monthly without penalty. Only for work performed by your NEIF-Approved Contractor, reviewed for ethical business practices.

Trusted: Backed by the National Energy Improvement Fund, the nation's only B Corp certified energy and resiliency improvement lender, certified to meet the highest standards of compliance, social & environmental focus, accountability and fair lending practices.

Expert: NEIF has years of innovation in energy & resiliency financing. Knowledge, expertise and broad industry perspective for best contractor and customer experience.


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 dont't have a contractor selected  Apply on-linehttps://www.neifund.org/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.

Who is Eligible?

All homeowners who are making qualifying improvements to their primary residence or vacation home (1 to 4 unit on permanent foundation). Good credit and the ability to repay are required. All income levels are eligible. 

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