Energy Improvement Loan
Several options to save you money and energy.
From roofing to bicycles
Use this versatile loan to finance a range of energy-saving projects and purchases including community solar, roofing, weatherization, home energy upgrades, heating and cooling systems, bicycles, and more.
Benefits
Flexibility
Discounted rates, terms up to 20 years, and a wide variety of uses mean we can tailor the loan to your specific needs and goals.
Potential savings
Save on your monthly utility bills and transportation expenses over time.
Green investment
Reducing your impact on the environment while saving money? That’s what we call a win-win.
Current rates
Loan Name | Term | Minimum Loan Amount | Maximum Loan Amount | APR as low as |
|---|---|---|---|---|
| Rates effective 08/21/2026 | ||||
APR = annual percentage rate and reflects the current minimum APR offered. Other rates and terms may be available. APR may be adjusted based on your individual credit standing and term. | ||||
Loan Name Energy Improvement Loan3 | Term 60 months (5 years) | Minimum Loan Amount $300 | Maximum Loan Amount $60,000 | APR as low as |
Loan Name | Term 120 months (10 years) | Minimum Loan Amount $300 | Maximum Loan Amount $60,000 | APR as low as |
Loan Name | Term 180 months (15 years) | Minimum Loan Amount $300 | Maximum Loan Amount $60,000 | APR as low as |
Loan Name 20-year Energy Improvement Loan4 | Term 240 months (20-year) | Minimum Loan Amount $20,000 | Maximum Loan Amount $60,000 | APR as low as |
Estimate your monthly payment
Select the loan type then enter the amount you wish to borrow and preferred loan term to determine your estimated monthly payment and interest rate.
Calculated payments shown are for estimation purposes only. Actual loan payment amount and interest rate will be disclosed at loan closing and may differ slightly.
Eligible Projects
General
- Residential solar and battery storage (under $10,000)
- Community solar
- Roofing and siding (professional installation)
- Weatherization, health, and safety
- Heating and cooling (HVAC) systems
- Windows and doors
- Appliances
- Bicycles and e-bikes
Floodproofing
- Apply wall sealant
- Floodproof basement windows
- Foundation, garage, and enclosed-area vents
- Wall and floor membranes
- Water-resistant flooring and wall coverings
- Air vent protection system
- Sump pump
- Floodproof seals and locks
- Repoint basement/window mortar
- French drain
- Seal wall penetrations
Resiliency
- Elevate/relocate electric services and appliances
- Elevate/relocate HVAC equipment
- High-impact/costal glass windows
- Inspect/reinforce solar PV anchors
- Storm shutters
- Replace well pumps
- HVAC unions, fittings, and valves
- Retrofit wiring; elevate sockets/switches
- Electric backup system (not gas/LP)
Considering an electric bicycle?
Get a free e-bike consultation with LocalMotion or see if your local library can lend you one for a spin. Once you’ve made a decision, you may be able to take advantage of e-bike rebates from many Vermont utilities and have even lower payments on your Energy Improvement Loan.
Apply for an Energy Improvement Loan
If you have any questions, call 802.871.3471 to speak with one of our specialists.
Disclosures
- 3.
APR = annual percentage rate. APR is effective as of 6/1/2026 and reflects the current minimum APR offered. The following example is for estimation purposes only: a $20,000 loan at 7.50% APR would result in 120 monthly payments of $237.50. Actual loan payment amount will be disclosed at loan closing and may differ slightly. Other rates and terms available based on individual credit standing and term.
- 4.
APR = annual percentage rate. APR is effective as of 6/1/2026 and reflects the current minimum APR offered. The APR may be adjusted based on individual credit standing and term. Minimum loan amount is $20,000. The following example is for estimation purposes only: a $20,000 loan at 9.00% APR would result in 240 monthly payments of $180.06. Actual loan payment amount will be disclosed at loan closing and may differ slightly. Other rates and terms available based on individual credit standing and term.