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Financing


Pennsylvania's Special Low-Rate, Low-Payment Financing Program for Energy Efficiency Home Improvements

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You can afford to Improve Your Home's Energy Efficiency with Special Low-Rate, Low-Payment Financing

With the Keystone HELP® Energy Efficiency Program, most Pennsylvania homeowners who meet the program's eligibility guidelines can get a low cost loan for ENERGY STAR® rated and high efficiency heating, air conditioning, air sealing, insulation, windows, doors, geothermal and whole house improvements using Home Performance with ENERGY STAR®. These lower rates can save consumer thousands of dollars over the life of the loan, further enhancing the energy saving from the improvements being made and minimizing out of pocket costs.

Keystone HELP® loans are fast and simple. Most loan applications are approved within hours, with your Approved Keystone HELP Contractor paid immediately upon satisfactory completion of the job.

Keystone HELP® loans offers:

  • Special, low interest rates locked in for the life of the loan
  • Longer terms and lower rates than typically available
  • No penalty for pre-payment

For loans from $1,000 to $15,000 Keystone HELP loans have lower fixed rates and long amortization terms (meaning lower monthly payments) than typical unsecured financing options such as credit cards or shorter term bank loans.

For larger improvements, up to $35,000, Keystone HELP loans provides an affordable home equity option for homeowners with limited home equity and below market rates for consumers with equity who choose to do "whole house" improvements.

Eligible improvements must be installed by a Keystone HELP® Approved Contractor. There are currently over 1,600 Approved Keystone HELP Contractors in Pennsylvania.

Qualifying homeowners can get the lowest cost financing and a $325 cash energy audit credit for energy-saving "whole house" improvements performed by a Keystone HELP® Trained or Certified Contractor implementing the recommendations of a Certified Auditor who has conducted a comprehensive energy audit of your home.

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