FINANCING OPTIONS
Financing Options for Energy Efficiency Upgrades with WS Mechanical
At WS Mechanical, we understand that upgrading your home’s energy efficiency can be a major investment. That's why we’ve partnered with the National Energy Improvement Fund (NEIF) to provide flexible, affordable financing options through the KEEP Home Energy Loan and the EnergyPlus Loan programs. These programs, backed by NEIF—a Pennsylvania-based Certified B Corporation—allow homeowners to finance important energy-efficient home improvements with fixed monthly payments and low-interest rates.
Why Finance with WS Mechanical and NEIF?
Our partnership with NEIF provides you with access to trusted and straightforward financing solutions, helping you complete your energy-saving home projects without breaking the bank. Whether you're installing a new HVAC system, upgrading insulation, or replacing windows, we offer financing plans to make it easier for you.
Benefits of Financing with WS Mechanical and NEIF:
100% Financing for qualified energy efficiency projects
Fast, Easy Application Process with instant credit decisions
Low Fixed Monthly Payments over flexible terms (3, 5, or 10 years)
No Prepayment Penalties—pay off your loan anytime without fees
No Consumer or Contractor Fees—we make financing simple for both homeowners and contractors
Exclusive Energy Efficiency Programs like the KEEP Loan and EnergyPlus Loan for heating, cooling, insulation, and more
Financing Options
KEEP Home Energy Loan
The
Keystone Energy Efficiency Program (KEEP) Home Energy Loan is designed for Pennsylvania homeowners looking to "Go Greener" with energy-efficient upgrades. This loan is supported by the Pennsylvania Energy Development Authority (PEDA) and offers affordable financing for ENERGY STAR® certified products.
Eligible Improvements:
- Heating, cooling, and water heating systems
- Energy-efficient windows, doors, and skylights
- Insulation and air sealing
- Smart thermostats, ventilation fans, and electric vehicle chargers
Loan Terms:
- Loan amounts: $2,500 to $25,000 (depending on credit score)
- Terms: 3, 5, or 10 years
- Fixed interest rate of 8.99% APR (as of April 2024)
Example Monthly Payments:
- $2,500 financed for 36 months: $79/month
- $10,000 financed for 120 months: $127/month
EnergyPlus Loan
The EnergyPlus Loan offers financing for a broader range of home improvements, including HVAC systems, roofing, windows, and other energy-saving projects. This loan provides low monthly payments and can be used for projects beyond ENERGY STAR® products.
Loan Terms:
- Loan amounts: $2,500 to $25,000
- Terms: Flexible repayment options with no penalties for early repayment
- Fast, paperless process with instant credit decisions
Simple Application
Step 1:
Pre-Screen Your Credit Get pre-qualified for financing with no impact on your credit score. Simply use our soft-credit pull option through TransUnion
Step 2:
Apply Online For a quick and easy application process, apply directly through our NEIF portal.
Step 3:
Sign Loan Documents Once approved, sign your electronic loan documents, and we’ll handle the rest. NEIF pays WS Mechanical directly once the work is completed to your satisfaction.
Trusted, Vetted Contractors
All work must be performed by a NEIF-Approved Contractor—which means that WS Mechanical has been vetted for financial stability and ethical business practices. You can trust us to deliver the highest quality services while offering reliable financing.
Contact Us Today!
Ready to start your home energy efficiency project? Contact WS Mechanical to learn more about financing options through NEIF and how you can make your home greener, affordably.