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It's Fast and Easy to Apply for an EFS Loan or Program Incentive!

Simply find your state below, review the eligibility requirements and apply today.

Eligibility Requirements:

• Please refer to your specific program below for details about eligibility requirements.
• Carefully read all eligibility requirements for your EFS loan prior to submitting your application.

Contractor Participation:

All work financed with an EFS loan must be installed by a participating EFS contractor. Please refer to our Find a Contractor page to learn more.

EFS Programs

Illinois

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Learn more about available programs for residential properties in the Ameren Illinois, ComEd, Nicor Gas, Peoples Gas and North Shore Gas service areas: 

• The Illinois Energy Loan Program

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Michigan

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Learn more about available programs for Michigan residents here:  

• Holland Energy Fund, Inc.  
• Traverse City Light and Power On-Bill Financing Program  

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New Jersey

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Learn more about available programs for New Jersey residents here: 

• Elizabethtown Gas Financing Programs  
• South Jersey Gas Financing Programs  

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New York

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Learn more about available programs for New York residents here: 

• New York Financing for Energy Efficiency Projects  
• New York Financing for Solar Projects  
• PSEG Long Island Financing for Energy Efficiency Projects