Residential > Financing

Trying to save money on utility bills shouldn't break the bank.

Affordable financing is available to help you make money-saving home energy upgrades.

Check your eligibility

Financing offered in partnership with:

It’s time to bust the “if it ain’t broke” home energy myth.

Just because something still works doesn’t mean it isn’t costing you money. Poor insulation, old HVAC systems, appliances that pre-date smartphones — they’re all reducing your home’s energy efficiency and driving your monthly utility bills up. (Not to mention that they’re a home energy emergency waiting to happen!) You can start saving money right now by repairing or replacing your home’s energy wasters with energy savers.

Get affordable, $0 down financing for home energy upgrades — like a new HVAC unit or attic insulation — that will save you money and help you live more comfortably.

See if your local power company offers financing.

You don’t have to save up to start saving.

We partner with Vanderbilt Mortgage and Finance, Inc. and local power companies across the Valley to offer competitive $0 down, fixed interest rate loans to qualified applicants, including on-bill and off-bill options.*

Finance these home energy upgrades.

All upgrades are installed by contractors vetted by TVA EnergyRight and your local power company through our Quality Contractor Network.

  • Heating and cooling

  • Insulation

  • Air sealing

  • Duct systems

  • Windows

  • Doors

  • Appliances

  • Water heaters

Older homes and appliances use more energy.

Home energy upgrades save you money.

Financing FAQs

Don’t let energy inefficiencies cost you money.

Find out if you’re eligible for a home energy upgrade loan.

Resources for all your home energy needs.

Check out these other helpful home energy services.

Contact us

*On-bill financing is not offered by all local power companies.

Check with your local power company for current program rates.

**640 for Vanderbilt Mortgage and Finance, Inc. loans.

***$3,001-$15,000 for off-bill loans in the state of Georgia.