Homeowners

Financing for Homeowners

Trusted financing for Energy, Resilience and other Home Improvements.

NEIF makes 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.

South Carolina Residents, click here.

Eligible
Home Improvements

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

Furnaces, boilers, tanks, heat pumps, air conditioning and all related work

Air Sealing & Insulation

Furnaces, boilers, tanks, heat pumps, air conditioning and all related work

Electrical, Plumbing, Kitchens & Baths

including lighting and controls, generators, water heaters, water treatment

Home Perfomrance with ENERGY STAR®

Furnaces, boilers, tanks, heat pumps, air conditioning and all related work

Geothermal, Solar & Other Energy Projects

Furnaces, boilers, tanks, heat pumps, air conditioning and all related work

Special Features Include

  • Finance 100% of your energy improvement
  • True Fixed Rate, Fixed Monthly Payment
  • Term up to 10 years
  • NO adjustable rate, “teasers” or surprises
  • 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

Find a NEIF
Approved Contractor

"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 my subsidize the protram 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 subjected to change like many credit products offered through retailers or manufacturers.

Apply Now

Apply today to receive financing for your energy or resilience improvements with low monthly payments.