Financing For Homeowners | National Energy Improvement Fund
Trusted financing for Energy, Resilience and other Home Improvements.

Making home energy efficiency, resilience, health and comfort affordable.  

The National Energy Improvement Fund focuses on increasing the affordability of energy improvements through transparent, simple interest, fixed rate, low payment unsecured installment loans with no fees to the borrower and no pre-payment penalties.

National Energy Improvement Fund is the nation's only B Corp certified improvement lender, meeting the highest standards of social & environmental impact, fairness, compliance and accountability to contractors and their customers.

Eligible Home Improvements are program specific and may include:

  • Heating & Cooling
    Furnaces, boilers, tanks, heat pumps, air conditioning and all related work
  • Windows, Doors, Siding & Roofing
  • Air Sealing & Insulation
  • Electrical, Plumbing, Kitchens & Baths
    including lighting and controls, generators, water heaters, water treatment
  • Home Performance with ENERGY STAR®
  • Geothermal, Solar & Other Energy Projects

Special features include:

  • Finance 100% of your energy improvement 
  • True Fixed Rate, Fixed Monthly Payment
  • Terms up to 10 years
  • NO adjustable rate, "teasers" or surprises
  • NO lien on your home
  • NO home equity required
  • NO points, fees or closing costs
  • NO penalty for pre-payment or to pay extra each month to pay off faster
  • Instant Credit Decision, Easy Paperless Process
  • Fully Supported by NEIF's Energy Lending Specialists
  • Only for work performed by NEIF Approved Contractors


South Carolina residents click here.

"Promotional" financing programs aren't the answer for many consumers faced with expensive energy or other home improvements.

Many financing options, even those that appear to be low fixed rates, are really credit card-type programs that can turn into 25 or 30% interest rates after the promotional term or if you are a few days late with your payment. And smart consumers understand that the cost of subsidizing "zero percent" or other artificially low rates for longer term unsecured financing may result in a higher price for the product (somebody has to pay for it!).  Sometimes, your utility or state may subsidize the program which does not add to the cost to you, so make sure to check out those programs. 

The National Energy Improvement Fund's simple, transparent and fair financing means the rate is locked in for the term and not subject to change like many credit products offered through retailers or manufacturers.