Active ProgramLast verified: 2026-07-19

GoGreen Home Energy Financing

Save up to

2.99–5.99% APR, up to $50,000

Provider

California Alternative Energy and Advanced Transportation Financing Authority (CAEATFA)

GoGreen Home Energy Financing is a California state program that provides low-interest loans for energy efficiency and electrification upgrades. With rates from 2.99-5.99% APR, terms up to 30 years, and no home equity required, it makes major upgrades affordable. No down payment needed — financing covers the full project cost after rebates.

✓Must be a California homeowner (single-family, condo, or manufactured home)
✓Property must be owner-occupied
✓Credit score requirements vary by lender (typically 580+)
✓No home equity required — unsecured financing available
✓Covers: HVAC, water heaters, insulation, solar, EV chargers, windows, and more

How to Apply

1Get a free quote for your energy upgrade project through NorCal Repairs
2Apply through a participating GoGreen lender (your contractor can help)
3Receive approval — most decisions within 1-3 business days
4Financing covers the project cost minus any rebates
5Repay through fixed monthly payments over 5-30 years
6No prepayment penalties — pay off early anytime

Qualifying Equipment & Services

●Heat pump HVAC systems
●Heat pump water heaters
●Attic insulation and air sealing
●Solar panel systems
●EV charger installation
●Energy-efficient windows and doors
●Cool roofs
●Electrical panel upgrades
●Battery storage systems

Related Services

Heat Pump Installation Water Heater Panel Upgrade

Frequently Asked Questions

What interest rate will I get?+

Rates range from 2.99-5.99% APR depending on your credit, the lender, and loan term. These are significantly below typical home improvement loan rates (8-15% APR) or credit card rates.

How much can I borrow?+

Up to $50,000 for most projects. The loan covers your total project cost minus any rebates you receive. No down payment required.

Do I need home equity?+

No! GoGreen financing is available as an unsecured loan — no home equity, no second mortgage, no lien on your property. Approval is based on creditworthiness.

Can I combine GoGreen financing with rebates?+

Yes, and this is the recommended approach. Apply all eligible rebates first (SMUD, PG&E, federal), then finance the remaining balance at 2.99-5.99% APR. This minimizes both your upfront and ongoing costs.