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Making Efficiency Upgrades Affordable

Energy Efficiency Loans provide special financing for the purchase and installation of qualified energy-efficiency products and services. Eligible homeowners, owners of residential buildings of 50 units or less and owners of small business buildings may apply. Your loan payment will be billed monthly on your ComEd bill.

ComEd is one of five Illinois utilities offering Energy Efficiency Loans, along with Ameren Illinois, Nicor Gas, Peoples Gas, and North Shore Gas. Each utility may have additional energy-efficient products and services that qualify for these loans. Customers can view detailed loan information and review the products and services available from each utility at

This program is offered by ComEd in accordance with Illinois public law.

Eligibility Requirements

  • Be a ComEd delivery service customer with an active ComEd account in the building where the energy-efficiency improvement will be installed.
  • Be the owner of the building where the energy-efficiency improvement will be installed.
  • Have a credit score of 640 or greater if you are a residential customer

Prequalify Before You Purchase

You must pre-qualify for your loan prior to the purchase of any of these products or services. Pre-qualify by applying at The interest rate is currently 5.74% for residential loans and 5.99% for multi-family and small business loans.* You will need your ComEd account number to complete the application. You may apply for both electric and natural gas energy-efficiency measures on the same application. Renew Financial processes all applications and makes all loan determinations. Funds for this program are limited.

* As of May 1, 2018.

Available Residential Financing

ENERGY STAR® refrigerators. Select ENERGY STAR certified refrigerators (with a purchase price of $500 to $1,400) are eligible products under the Energy Efficiency Loan offering. Rebates from ComEd are available on qualifying appliances, including ENERGY STAR certified refrigerators (≥7.75 cubic feet). In addition, recycle your old, working refrigerator through the ComEd Energy Efficiency Program Fridge and Freezer Recycling offering and receive a reward for participating.

High-efficiency central air conditioning systems, smart thermostats and ECM blower motors. Qualifying products that meet the eligibility requirements of the ComEd Energy Efficiency Program Heating and Cooling Rebates offering may qualify for an Energy Efficiency Loan. Rebates are available from ComEd for these products, plus more. Visit to apply for financing and for eligibility and application details.

Weatherization. Owners of all-electric homes* can participate in the ComEd Energy Efficiency Program Weatherization Rebates offering which provides instant rebates for energy efficiency improvements. These improvements may qualify for loans that will be billed monthly on your ComEd bill. Visit to apply for financing and for eligibility and application details.

* An all-electric home uses electricity exclusively for both heating and cooling.

Apply Now

Assistance: Call 855-433-2700

Or view the Illinois Energy Loan FAQs.

 Content Editor

​On-Bill Financing

Find fixed-rate loans for efficient heating and cooling systems, smart thermostats and more! Download the fact sheet (pdf).

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