KEEP Home Energy Loan

Keystone Energy Efficiency Program

Supported by the Pennsylvania Energy Development Authority (PEDA)'s Energy Accelerator Program
FINAL KEEP Logo-horizontal (4)
FINAL KEEP Logo-horizontal (4)
PEDA logo

Special Financing for Energy Efficiency Upgrades for Pennsylvania Homeowners

Pennsylvanians can Go Greener, Affordably with fixed monthly payment financing for improvements that make your home more energy efficient.

The KEEP Loan is supported by the Energy Development Authority (PEDA)’s Pennsylvania Energy Accelerator Program. 

Lending is administered by the National Energy Improvement Fund (NEIF), a Pennsylvania-based 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?

Homeowners making qualifying improvements to their primary residence or secondary (vacation) home on Pennsylvania-deeded properties. 

Work must be performed by a NEIF-Approved Contractor, who must certify that the qualifying improvements are listed at at the time of installation. Qualifying improvements are limited to the categories shown below. Financing may include all related work required for installation.

Heating/Cooling/Water Heating

  • Air-Source Heat Pumps
  • Boilers & Furnaces
  • Central Air Conditioning
  • Ductless Heating & Cooling
  • Smart Thermostats & Ventilation Fans 
  • Heat Pump Water Heaters
  • High Efficiency Gas Storage Water Heaters
  • Solar Water Heaters
  • Whole Home Tankless Gas Water Heaters

Building Products/Other

  • Residential Windows, Doors, and Skylights
  • Seal and Insulate
  • Storm Windows
  • Electric Vehicle Chargers
  • Smart Home Energy Management Systems 

Trusted, Transparent, and Affordable Monthly Payment Options for Upgrades That Make Your Home More Energy Efficient.

  • 100% Financing Available
  • Instant Credit Decisions
  • Easy, Paperless Process
  • Responsive Communication With You & Your Contractor

Eligible loan amount is based on qualifying credit score.

  • 720 plus: $2,500 to $25,000
  • 700-719: $2,500 to $20,000
  • 680-699: $2,500 to $15,000
  • 640-679: $2,500 to $10,000

Who is Eligible?​

  • One to four unit primary or secondary (vacation) home, Pennsylvania-deed properties.
  • Owner-occupied, no investment properties. 
  • Must be affixed to a permanent foundation. 
  • Maximum project size is $25,000.
  • No lien is filed on your property.
  • Properties owned or held in trust are not eligible.
  • Applicant must meet all credit guidelines.
  • Work must be performed by a NEIF-Approved Contractor who must certify that the primary improvement is listed at at the time of installation.
  • Financing may include all related work required for installation. 

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 energy improvements

If you are not already a NEIF-Approved Contractor, Apply Here!


Program Collateral

Help customers learn more & apply.

Contractor Resources

Marketing tools and resources for contractors.

Contractor Overview

Program overview for your sales team and staff.

Contractor Training

Financing tutorial for you and your sales team.