NEIF-SEF Solar Loan Program

6.99% APR fixed monthly payment financing for qualifying home solar improvements

For a limited time, Pennsylvania homeowners are eligible for 6.99% trusted, transparent and affordable monthly financing for solar improvements

  • 6.99% APR Fixed Monthly Payment Financing
    • Minimum loan $2,500, Maximum loan $35,000
    • 15-year loan term
  • 100% Financing 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
  • Supported by SEF, the Sustainable Energy Fund
    • A Pennsylvania non-profit dedicated to promoting a regenerative energy future  

What Improvements Qualify?

Work must be performed by NEIF-Approved Contractor, Renewable Energy Products Manufacturing, on residential properties in Pennsylvania.

Qualifying improvements include:

  • Residential Photovoltaic Systems and related services


Read below for more guidelines on borrower eligibility. 

Low Guaranteed Monthly Payments

Who is Eligible?​

  • Borrower(s) must have a minimum FICO credit score of 680.
    • If there are multiple borrowers, the lower score – regardless of income – must be used for qualification. 
  • 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 on Pennsylvania properties.

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. 

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.

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!