Personal Green Loan Rates

Rates effective 07/14/2025
Solar Loans

Loan Name

Term

Minimum Loan Amount

Maximum Loan Amount

APR as low as

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.

We will file a UCC Fixture Filing on the solar and related equipment. This will show up on a property title search, but it is not a deed of trust. These loans are not a second mortgage and are not secured by the home.

Loan Name

Solar Loan1

Term

60 months (5 years)

Minimum Loan Amount

$10,000

Maximum Loan Amount

$90,000

APR as low as

5.950%

Loan Name

Term

120 months (10 years)

Minimum Loan Amount

$10,000

Maximum Loan Amount

$90,000

APR as low as

6.250%

Loan Name

Term

180 months (15 years)

Minimum Loan Amount

$10,000

Maximum Loan Amount

$90,000

APR as low as

7.500%

Loan Name

Investment Tax Credit (ITC) Solar Loan2

Term

120 months (10 years)

Minimum Loan Amount

$10,000

Maximum Loan Amount

$90,000

APR as low as

6.250%

Loan Name

Term

180 months (15 years)

Minimum Loan Amount

$10,000

Maximum Loan Amount

$90,000

APR as low as

7.500%

Loan Name

20-year Solar Loan3

Term

240 months (20-year)

Minimum Loan Amount

$20,000

Maximum Loan Amount

$90,000

APR as low as

8.750%
Learn more
Energy Improvement Loans

Loan Name

Term

Minimum Loan Amount

Maximum Loan Amount

APR as low as

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 Loan4

Term

60 months (5 years)

Minimum Loan Amount

$300

Maximum Loan Amount

$60,000

APR as low as

6.500%

Loan Name

Term

120 months (10 years)

Minimum Loan Amount

$300

Maximum Loan Amount

$60,000

APR as low as

7.500%

Loan Name

Term

180 months (15 years)

Minimum Loan Amount

$300

Maximum Loan Amount

$60,000

APR as low as

8.500%

Loan Name

Investment Tax Credit (ITC) Loan5

Term

120 months (10 years)

Minimum Loan Amount

$5,000

Maximum Loan Amount

$60,000

APR as low as

7.500%

Loan Name

Term

180 months (15 years)

Minimum Loan Amount

$5,000

Maximum Loan Amount

$60,000

APR as low as

8.500%

Loan Name

20-year Energy Improvement Loan6

Term

240 months (20-year)

Minimum Loan Amount

$20,000

Maximum Loan Amount

$60,000

APR as low as

9.750%
Learn more
Home Energy Loan

Household Income Qualifications7

Term8

APR as low as

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.

Household Income Qualifications7

High Income

Term8

36 months

APR as low as

4.990%

Household Income Qualifications7

High Income

Term8

60 months 

APR as low as

4.990%

Household Income Qualifications7

High Income

Term8

120 months

APR as low as

5.990%

Household Income Qualifications7

High Income

Term8

180 months

APR as low as

6.990%

Household Income Qualifications7

Moderate Income

Term8

36 months

APR as low as

0.000%

Household Income Qualifications7

Moderate Income

Term8

60 months

APR as low as

0.000%

Household Income Qualifications7

Moderate Income

Term8

120 months

APR as low as

2.990%

Household Income Qualifications7

Moderate Income

Term8

180 months

APR as low as

3.990%

Household Income Qualifications7

Low Income

Term8

36 months

APR as low as

0.000%

Household Income Qualifications7

Low Income

Term8

60 months

APR as low as

0.000%

Household Income Qualifications7

Low Income

Term8

120 months

APR as low as

1.990%

Household Income Qualifications7

Low Income

Term8

180 months

APR as low as

2.990%
Learn more

Disclosures

1.
  • APR = annual percentage rate. APR is effective as of 7/1/2025 and reflects the current minimum APR offered. The following example is for estimation purposes only: a $20,000 loan at 6.25% APR would result in 120 monthly payments of $224.63. 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. Other terms are available.

2.
  • APR = annual percentage rate. APR is effective as of 7/1/2025 and reflects the current minimum APR offered. Payment amount subject to change after the initial 24 months based on tax credits or other credits applied to principal or re-amortization of the outstanding balance. As an example, a $20,000 loan at 6.25% APR would result in 24 initial monthly payments of $165.04. If 30% of the loan amount is applied to the principal during the first 24 months, the monthly payment would remain approximately the same for the remaining term of the loan. If the principal is not paid down with a tax credit or other payment, the outstanding loan balance at the end of the 24-month period will re-amortize to $247.23 per month for the remaining 96 months. Minimum loan amount is $10,000. Example payments are for estimation purposes only. Actual loan payment amount will be disclosed at loan closing and may differ slightly. The APR may be adjusted based on individual credit standing and term.

3.
  • APR = annual percentage rate. APR is effective as of 4/11/2025 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 8.75% APR would result in 240 monthly payments of $176.83. 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.
  • Payment example: A $20,000 loan for 120 months at 7.50% APR will have a monthly payment of $237.49.

5.
  • Payment amount subject to change after the initial 24 months based on tax credits or other credits applied to principal or re-amortization of the outstanding balance. Payment example: a $20,000 loan at 7.50% APR would result in 24 initial monthly payments of $179.17. If 30% of the loan amount is applied to the principal during the first 24 months, the monthly payment would remain approximately the same or increase slightly for the remaining term of the loan. If the principal is not paid down with a tax credit or other payment, the outstanding loan balance at the end of the 24-month period will re-amortize to $262.72 per month for the remaining 96 months.

6.
  • Payment example: A $20,000 loan for 240 months at 9.75% APR will have a monthly payment of $189.83.

7.
  • Income qualification guidelines apply. APR will be adjusted based on household income and term. Secured loan options available upon request; minimum secured amount borrowed is $5,000.

8.
  • Payment example: A $20,000 loan for 60 months at 4.99% APR will have a monthly payment of $377.38.