Programs · Income-qualified
Income-qualified participation you can put in a filing.
Income-qualified households often replace appliances when they fail, when there is little time to compare and no time to wait for a rebate. Put guidance, the incentive, a monthly payment and installation at the checkout, where they already are.
Income-qualified programs at a glance
What it does for you
- Verifies eligibility at checkout against records you already hold, and applies the income-qualified adder in the price.
- Turns the price after rebates into a monthly payment, with pre-qualification that doesn't affect the customer's credit.
- Delivers, installs and hauls away in the same order, at one fixed price.
The evidence
- 85%of micro-loans went to lower-income or credit-challenged borrowersCPUC GoGreen Home impact evaluation, 2024
- 51%of financed purchases came from disadvantaged communities, against 35% of New Yorkers living in themNYSERDA NY Marketplace final report, 2024
- 4 in 5financed buyers would have bought less efficient, or not at all, without financingCPUC GoGreen Home impact evaluation, 2024
How it runs Enervee is your program implementer for income-qualified delivery, on the platform we own and operate for your other programs.
See the full evidenceThe barrier
Why rebates alone don't reach income-qualified households
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53%
of U.S. adults can’t cover a $1,000 unplanned expense from savings — the typical price of an efficient appliance. When the old one fails, the cheapest unit in stock wins by default.
Source: Bankrate 2026 Emergency Savings Report (YouGov, Dec 2025, n=2,564)
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Distressed
Shoppers replacing a broken appliance chose significantly less efficient models than planned buyers. The Enervee Score narrowed that gap, and its effect was strongest among low-income shoppers.
Source: Arquit Niederberger & Champniss, Energy Efficiency 11:1657–1671, 2018 (peer-reviewed, four studies)
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Weeks
A mail-in rebate arrives weeks after the purchase. A household that cannot afford the price on the day buys the cheaper model, or nothing; a refund weeks later cannot change that.
Program design observation; see Fast Track™ for post-purchase delivery where instant is not possible
How the program works
How income-qualified rebates and financing work at checkout
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01
Guide the choice with the Score
Every model on the market rated 0–100, updated daily. Peer-reviewed research shows the Score lifts the efficiency of the model chosen, most of all for low-income and distressed buyers.
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02
Apply the income-qualified incentive at checkout
Eligibility is checked during checkout; the adder stacks on the standard rebate and shows in the price before purchase. No application, no waiting: the incentive applies instantly, or via Fast Track™ when the purchase happens elsewhere.
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03
Turn what’s left into a monthly payment
Eco Financing® at checkout, underwritten by lending partners, off your balance sheet. Pre-qualification with no credit impact; risk-based pricing built to reach the customers retail financing misses. It never replaces the rebate; it is what lets the customer act on it.
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04
Deliver, install and haul away in the same order
One fixed price, set before anyone enters the home. For income-qualified households this removes another barrier after price: finding and vetting an installer.
94
60 months · pre-qualify, no credit impactEligibility verified at checkout; the adder and the monthly payment appear before the customer commits. *Illustrative figures — not a live program offer.
Independent evaluation
Income-qualified participation results: CPUC and NYSERDA evaluations
CPUC GoGreen Home impact evaluation (2024) · NYSERDA NY Marketplace final report (2024)
No income screen was applied: financing at checkout broadened participation on its own.
would have bought at the same or higher efficiency without financing. The other four in five would have bought a less efficient model, or nothing.
Against 35% of New Yorkers living in them. For a program with a disadvantaged-community (DAC) participation target, that figure comes from NYSERDA's final report.
Customers with financing also chose higher-efficiency products, so each transaction saved more kWh and therms from the same incentive budget.
ACEEE's 2023 report on equitable efficiency programs profiles the Enervee platform: more product choice than typical utility stores and direct-install programs for low-income customers, Read the ACEEE report
Program design
Designing an income-qualified program on the marketplace
Income-qualified programs usually run as a separate track with its own intake, its own contractors and its own reporting. On the marketplace they are a configuration of the same program.
One program, two configurations
Standard and income-qualified customers use the same marketplace; eligibility unlocks the adder and any qualified financing terms. Both run under one set of workpapers and one evaluation.
Participation you can report
Every income-qualified transaction records product, Score, incentive, financing and install, reportable by ZIP, DAC status or eligibility path, in the form your filing needs.
Budget stretches further
Financing reaches households the rebate alone would not convert, so the same incentive budget reaches more of them, which is what the CPUC and NYSERDA evaluations measured.
Starts with what you already fund
Any measure in the marketplace (refrigerators, washers, water heaters, thermostats) can carry an income-qualified adder, so the income-qualified program launches inside the efficiency portfolio you already run.