Are there loans to pay for my clean energy upgrades?

Making the upgrade to clean and efficient energy — whether that's a heat pump, heat pump water heater, solar, or battery storage — is one of the most impactful steps a homeowner can take. In addition to incentives available that you'll find in your QuitCarbon Insights, the good news is that there are several financing options available to help make these projects accessible. QuitCarbon is here to help you navigate them.

Clean Energy Financing Programs

GoGreen - California

GoGreen Home is a State of California-subsidized loan program offering low-cost financing for green energy upgrades. It's one of the most competitive options available to California homeowners.

If you are a lower-income homeowner living in a designated priority population area, you may qualify for 0% financing through GoGreen. Ask QuitCarbon if you qualify. 

Please note that not all contractors participate in GoGreen financing - ask for a referral to a vetted, skilled, GoGreen-qualified contractor. 

Atmos Financial

Atmos Financial is a clean energy-focused lender offering personal loans for heat pump, solar, and battery storage projects. QuitCarbon recommends Atmos for their competitive rates, fair terms, and exclusive focus on clean energy upgrades — meaning they understand the products and projects you're financing.

Credit Unions & HELOCs

Many credit unions offer special rates for clean energy upgrades, and a Home Equity Line of Credit (HELOC) can be another cost-effective route for homeowners with home equity to draw on. These options give you flexibility to work with any contractor regardless of their financing affiliations.

Be sure to let your QuitCarbon Clean Energy Coach know if you are planning to use credit union / HELOC financing. 

Contractor-Provided Financing

Some contractors offer their own financing or accept credit cards, and in select cases — particularly manufacturer-sponsored programs — the terms can be quite good.

Contractor-provided financing varies widely in pricing, however, and in many cases the cost will be passed on to you in the form of a higher bid. It's worth comparing rates carefully against independent options before committing. A QuitCarbon Clean Energy Coach can help you evaluate. 

Utility-Provided Financing

Some community choice energy providers, including Peninsula Clean Energy (PCE) and San José Clean Energy (SJCE), offer their own financing programs for customers in their service territories. These utility-sponsored options are typically excellent deals where available. Your QuitCarbon Clean Energy Coach can check whether your utility offers financing as part of your personalized guidance.

What to Do Next

The best starting point is a conversation with your QuitCarbon Clean Energy Coach. We can help you understand which financing options are available based on your income, location, utility provider, and the specific upgrades you're considering — and ensure that whichever path you choose works smoothly for you and your contractor.