JCP&L - Residential Energy Efficiency Program Financing

0.00% APR fixed monthly payment financing for qualifying home energy upgrades

JCP&L customers are eligible for 0.00% trusted, transparent and affordable monthly payment options that make your home more energy efficient.

  • 0.00% APR Fixed Monthly Payment Financing
    • Minimum loan $2,500, Maximum loan $15,000
  • 100% Financing (net of rebate) Available
    • Instant credit decision, easy paperless process and responsive communication with you and your contractor
  • Simple Interest Installment Loan
    • Not a credit card, guaranteed fixed rate and payment for life of loan with no lien on you home and no hidden costs.  You may pay off at any time or pay ahead without penalty
  • From NEIF, a Certified B Corporation™
    • Certified to meet the highest standards of compliance and fair lending and a U.S. Department of Energy Home Improvement Expert

What Improvements Qualify?

Work must be performed by a NEIF-Approved Contractor and qualify for a JCP&L program rebate

Qualifying improvements include:

  • Heat Pumps
    including ductless and ground-source
  • Central Air-Conditioning
  • Heat Pump Water Heaters
  • May include Gas Furnaces and Boilers
    when installed with qualifying electric Heat Pump, Central Air-Conditioning or Water Heater

Visit for detailed information on qualifying improvements.

Low Guaranteed Monthly Payments

Who is Eligible?​

  • The JCP&L Energy Efficiency Program provides access to no-cost financing, promoting easy and cost-effective access to energy efficiency upgrades for JCP&L customers. Improvements must qualify for a program rebate.
  • 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 purpose only—no lien is filed
  • Improvements must be installed by a NEIF-Approved Contractor.
  • Improvements must qualify for and be awarded a program rebate.
  • Borrower(s) will need to be the JCP&L utility account holder and provide a copy of their utility bill prior to loan approval.

Three Simple Steps For Customers

1. Choose the payment that fits your budget

You can pay off early or pay ahead with no penalty. If you don’t have a contractor selected, Click Here!

2. Simple Application

Apply online to NEIF for an instant credit decision through your contractor’s application link. Your contractor will work with you to complete and submit the required program rebate form.

3. Installation

Sign electronic loan documents from NEIFNEIF pays your contractor when the work is completed to your satisfaction and your program rebate has been approved and processed.

Download JCP&L Residential Energy Efficiency Financing Customer FAQs

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!

Download JCP&L Residential Energy Efficiency Financing Contractor FAQs


JCP&L HVAC Program Brochure
Contractor Resources