SPECIAL LOW-PAYMENT FINANCING FOR
Heat Pumps & Central Air Conditioning
Affordable Financing for Heat Pumps & Central AC
When installed properly, new central air conditioning systems and heat pumps can help cut utility costs while improving comfort at home.
The National Energy Improvement Fund (NEIF) offers trusted, fixed-rate, low monthly payment EnergyPlus Financing for heat pumps & central air conditioning upgrades that keep your home efficient, healthy, safe, and comfortable. Additional state and utility-supported financing programs are also available for eligible homeowners in Pennsylvania and New Jersey.
To qualify for NEIF financing, all improvements must be completed by a NEIF-Approved Contractor. Use the button below to find one of NEIF’s trusted heating and cooling professionals near you!
Did You Know?
The U.S. DOE reports that nearly 50% of all heating and cooling systems in U.S. homes are not installed correctly— and ultimately perform below capacity and efficiency.
NEIF is a proud partner of the U.S. DOE’s Home Improvement Expert™ program, sharing factsheets, checklists, and other resources— developed by experts— to help homeowners ensure quality installation of heat pumps & central AC systems.
Click each button below to download to optimize your energy savings today!
Heat Pump & Central AC Financing with EnergyPlus
Homeowners can finance heat pump & central AC upgrades affordably with NEIF’s trusted, fixed-rate EnergyPlus Financing program.
Features of the NEIF EnergyPlus Loan include:
- 8.99% fixed rate for most eligible homeowners
- Maximum $50,000 loan limit
- Maximum 12-year term
- No mortgage or lien filed on the home
- No penalties for pre-payment
- All work must be installed by a NEIF-Approved Contractor to qualify.
Click the button below to learn how you can qualify and apply for EnergyPlus Financing today!
Special State & Utility-Supported Financing
For Eligible Pennsylvania & New Jersey Homeowners Upgrading Heat Pump and Central AC
Pennsylvania Homeowners
Eligible Pennsylvania homeowners can access 4.99% APR financing for up to heat pump & central AC upgrades up to $25,000.
Learn more about the KEEP Home Energy Loan, supported by the Pennsylvania Energy Development Authority (PEDA).
New Jersey Homeowners
Eligible New Jersey homeowners can access 0.00% APR utility financing programs, available only through NEIF.
Click the hyperlinks below to learn more by utility service area:
**If you are a NEIF-Approved Contractor, please reach out to marketing@neifund.org to request co-branded heating/cooling marketing materials.