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Eco Financing

Efficiency for all.

With Eco Financing you can do amazing things. When you buy top energy-saving products, you may qualify for Eco Financing. It is a program supported by your state to help you save energy and money when purchasing an energy-efficient appliance.

Get a competitive APR of just 9.99%*—less than half of the average credit card interest rate.1



Even with a credit score as low as 580, you can still qualify for Eco Financing.2



Our 60-month loan duration ensures affordable monthly payments.



Qualifying for Eco Financing doesn't impact your credit score and we never sell your data.

Eco Financing customer

Easy credit.
No hidden fees.
No money down.
Pay off anytime.*

It only takes minutes.

How does it work?

Eco Financing is available for qualified customers in California and New York State to purchase energy-efficient products.

Go to your Marketplace
Eco Financing is available on online Marketplaces in California and New York. Additional states coming soon. You can check here to see if your area is covered.
Choose an eligible product
On the marketplace you can easily see which products are available for Eco Financing and what the monthly payment will be.
Pay with Eco Financing
You can add multiple products to the cart and select to finance them in minutes with a single loan between $200 and $5,000. 
Schedule your delivery
After a quick verification you can select your delivery and installation date (if applicable) and you will receive a confirmation of your order and Eco Financing loan (if approved).

Start shopping.

Get Eco Financing for a new energy saving product on your local online marketplace powered by Enervee.

Can't find your marketplace?

Get notified when Eco Financing is available in your area.

We're here to help.

Our customer service team is ready to help answer any of your questions.

Read our FAQ, send us an email, or download the Consumer Financial Protection Bureau's Your Money, Your Goals: A financial empowerment toolkit!


Where is Eco Financing offered? Eco Financing is offered to qualified utility customers in CA and NY. Additional states coming soon. Click here to find out if your utility offers Eco Financing.
How do I finance a purchase with Eco Financing? Eco Financing is offered to qualified utility customers on energy-efficient products ranging from $200-$5,000. Just select to pay with Eco Financing at checkout and fill out the quick and simple application. It only takes 2 minutes. There is no hard credit check required to pre-qualify. Once qualified, a hard credit check is conducted at acceptance of financing terms.
Are fees associated with making a payment? No, there are no fees for making a payment on time. There is a $10 fee if a payment is late. That's why we recommend setting up auto-pay.
Why should I set up automatic payments? Making payments with auto-pay is worry free. Select auto-pay during the application process and receive a discount on the loan APR.

Need shopping help?

Need assistance with shopping on our marketplaces, accessing rebates, or exploring our Eco Financing options?

Need more help? Visit or call/text us at 888-291-0347.

*Eco Financing "as low as 9.99%" Annual Percentage Rate (APR) is effective as of 1/1/2023, is based on creditworthiness, underwriting factors, and information obtained by third party companies. It is our best rate which includes an incentive rate discount for setting up automatic monthly loan payments at loan origination and is subject to loan approval. Monthly payment per $1,000 for 12 months at 9.99% is $87.91. A sample payment for a $1,000 for 60 months at 9.99% is $21.24. These payment examples are for illustration purposes only. Your actual payment may vary. All Eco Financing loan programs, rates, terms, and conditions are subject to change without prior notice. Minimum Experian Vantage Score 4.0 of 580 to qualify. Other underwriting factors apply. Eco Financing by Enervee loan programs are owned and funded by Lewis & Clark Bank, Member FDIC.

Eco Financing loan programs and offers are only valid for Southern California Edison customers who are legal residents of the State of CA and for legal residents of the State of New York. Applicants must purchase a qualifying appliance through the Enervee Marketplace. If utility customer and residency are not validated or if a qualifying appliance is not purchased, program offering is invalid. Financing is subject to loan approval.

†Applying will not impact your credit score. Once a loan is approved and monies are received, it will, like all loans, impact your credit score.

1 Source:

2 Minimum Experian Vantage Score 4.0 of 580 to qualify. Other underwriting factors apply.

Eco Financing by Enervee loan programs are owned and funded by Lewis & Clark Bank, Member FDIC.