GEFA Energy Efficiency Financing
Fixed, Low Monthly Payment Financing for Georgia Residents
Special Financing for Energy Efficiency Upgrades for Georgia Homeowners
In coordination with the Georgia Energy Investment Fund, the National Energy Improvement Fund (NEIF)— a Certified B Corporation™ and U.S. DOE Home Improvement Expert Lender offers Georgia homeowners access to fixed, low monthly payment financing for improvements that make homes more energy efficient, healthy, safe, and comfortable.
All work must be installed by a NEIF-approved contractor to qualify, with participation in the GA Home Rebates Program, WAP, or another energy efficiency utility program encouraged.
Trusted, Transparent, and Affordable Monthly Payment Options for Upgrades That Make Your Home More Energy Efficient.
Here’s what the program offers:
- 4.99% APR financing for 36-, 60-, or 120-month terms
- Loans from $3,000 – $50,000, based on credit score
- 100% financing of project available
- No penalty for pre-payment
- BPI-Certified audit required, with qualifying measures identified in the audit
- Easy, paperless process
- Responsive communication between you and your NEIF-approved contractor
What Improvements Qualify?
Homeowners must be making qualifying improvements to their primary residence located on a Georgia-deeded property.
Additionally, homeowners must receive an energy audit from a BPI-certified auditor and install qualifying improvements identified in the audit.
Qualifying improvements include:
- Air Sealing and Insulation
- Heat Pumps (Air Source, Ductless) and Central AC
- Gas Furnaces, Water Heating, Windows
- Solar PV (not to exceed 60k) and Solar Hot Water
- Energy Storage Systems
- Energy-Efficient Lighting and Smart Thermostats
Monthly Payment Calculator
Eligible loan amount is based on qualifying credit score:
- 700 and up: $3,000 to $50,000
- 680-699: $3,000 to $35,000
- 640-679: $3,000 to $25,000
Eligible Properties
- One to four unit primary, Georgia-deed homes and co-operative housing communities.
- Owner-occupied, no investment properties.
- Must be affixed to a permanent foundation.
- No lien is filed on your property.
- Properties owned or held in trust are not eligible.
- Applicant must meet all credit guidelines.
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 other energy improvements
If you are not already a NEIF-Approved Contractor, apply here!
