The Energy Network collaborates with various private lenders to offer financing to make energy efficiency upgrades more accessible to homeowners. This low-interest funding can be used in conjunction with other utility financing, rebates and incentives. Individually tailored to meet your needs, The Energy Network’s third-party lending experts will guide you through the process so you can begin saving money and energy sooner.

Financing offerings include:

  • Home Energy Loans: low-interest financing on residential energy efficiency and solar projects for homeowners completing a Home Upgrade or Advanced Home Upgrade.

Looking for additional financing options? Go Green Financing is a statewide financing database with tools to help find the right option for your green project.

Financing Partner

Matadors Community Credit Union

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Home Energy Loans

Financing Terms:

In collaboration with The Energy Network, Matadors Community Credit Union offers Southern California homeowners low annual percentage rate (APR) financing on residential energy efficiency and solar projects.

Before contacting the lender, be sure to talk with a Participating Contractor to make sure that you qualify for the incentive programs.

Interest Rate Term (Years)
4.99% APR* 5
5.99% APR* 10
6.99% APR* 15
  • Types of Upgrades: Energy efficiency and solar
  • Financing Amounts: $2,500 – $50,000
  • Type of Loans: Unsecured, a UCC-1 lien may be required.
  • * APR = Annual Percentage Rate. Payment per $1,000 funded: 4.99% – $18.87, 5.99% – $11.10, 6.99% – $8.99. Rates are subject to change at any time. Rates include a .50% discount for automatic payments. Must meet credit and income criteria. Membership required. Equal opportunity lender.
  • Other: No prepayment penalties or closing costs. Loan value may equal full amount of qualifying scope of work (not including rebates and incentives).

Homeowners and contractors seeking SoCalGas rebates, The Gas Company Rebates and other programs may save even more with Home Upgrade and Home Energy Loans.

Top measures to finance with Home Energy Loans:

Eligibility Details

  • Residential, single family detached properties only.
  • The property must be served by Southern California Gas Company® and/or Southern California Edison.
  • Properties in the counties of Santa Barbara, Ventura, and San Luis Obispo are not eligible.
  • Energy efficiency projects must be enrolled in Energy Upgrade California® rebate and incentive offering.
  • If financing a solar project, solar projects must be installed concurrently with energy efficiency measures and must be permitted. The homeowner must provide the permit number of the Certificate of Completion.

How to Apply

  1. Contact a Home Upgrade Participating Contractor for a home energy assessment.
  2. Apply for special financing with Matadors Community Credit Union.

For more information, email or call (877) 785-2237.

Apply Online

Apply online with Matadors for instant approval.

Find a Contractor

Find a Home Upgrade Participating Contractor.

Download Flyer

A one-page flyer with everything you need to know.

Download Paper Application

A detailed step-by-step review of the process.

Go Green Financing

Looking for additional financing options? Go Green Financing is a statewide financing database with tools to help find the right option for your green project.

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