South Jersey Gas Financing Programs

Loan Features | Programs Available | Eligible Measures | How to Apply

South Jersey Gas has received New Jersey Board of Public Utilities approval to continue an initiative established in 2009 to encourage energy efficiency. This program offers residents of southern New Jersey the opportunity to receive incentives when installing approved central heating and water heating systems in their homes. All installations must be completed by contractors currently on the South Jersey Gas Participating Contractors List. Zero percent loan programs are available through Energy Finance Solutions to help New Jersey homeowners install the recommended eligible measures.

Loan Features

Key features of an EFS loan:

  • Residential single-family and duplex homes
  • Unsecured loan (homeowner provides no collateral)
  • Borrowers can finance $2,500 - $15,000*
  • Fixed rate of 0% or 0.99% depending upon amount financed
  • No fees, points, or closing costs
  • No prepayment penalty
  • Can finance 100% of installation costs
  • Quick approval process

Only contractors on the South Jersey Gas Participating Contractor List are eligible to perform the installation under this program. Get in touch with a participating contractor or use the Contractor Search tool to find a contractor near you.

*Loan amount eligibility will depend on installations. Check with your contractor or contact us with additional questions.

Programs Available

The following programs are currently available through South Jersey Gas:

Program Type High-Efficiency Equipment Financing Home Performance with ENERGYSTAR® Program Financing
Maximum Loan Amount: $11,000 if you have natural gas or are converting your fuel type to natural gas and/or are installing a furnace and qualifying water heater. If no water heater is installed, an audit by an accredited contractor will be required to confirm the existing atmospheric water heater is not showing evidence of back-drafting. Up to $10,000 at 0%
> $10,000 - $15,000 (0.99%)
Maximum Loan Term: 7 years; there is no penalty for early repayment 7 years for loan amounts up to $10,000; 9 years for loan amounts greater than $10,000. There is no penalty for early repayment for either option.
Installation Measure Eligibility: View the list of eligible measures. South Jersey Gas is also providing financing for projects that are Home Performance with ENERGY STAR eligible. View information regarding installation eligibility for the Home Performance Program. You may obtain more information by calling 1-866-NJSmart, or talking with your contractor.
Contractor Requirements: The contractor who performs your gas to gas or alternate heating fuel conversion installation must be a participating South Jersey Gas contractor. Get in touch with a participating contractor or use the Contractor Search tool to find a contractor near you. Only approved Building Performance Institute (BPI) certified contractors are eligible to perform the Home Performance with ENERGY STAR installations. To get in touch with a participating contractor, please visit, or contact the call center at: 1.866.NJSMART (1.866.657.6278).

Eligible Measures

The South Jersey Gas program is designed to help customers increase their comfort and save money by installing eligible energy efficient equipment in their homes. Therefore, all measures to be installed must meet minimum efficiency requirements to be eligible for financing. The following list provides you with the efficiency requirements of the major equipment eligible for financing. In addition, the equipment must be on the ENERGY STAR list.

A list of the minimum efficiency requirements is available. For more details about approved equipment visit

How to Apply

Below are three ways that you can apply for the South Jersey Gas Loan Program. Before you apply with Energy Finance Solutions, please review the following step-by-step instruction guides.

A) Apply online

Applying online is the fastest way to receive a decision. Click on the link below to submit an electronic application:

Online credit application

B) Print the application

Download the credit application. Please note the credit application is not a contract for a loan nor does it lock you into any commitment with a contractor. The credit application will allow us to proceed with your request for a loan to finance your improvement(s).

C) Request an application packet by mail

You may request an application packet by mail by calling 1.888.264.4367.

As part of the Credit Application process we will request a copy of your credit history. Eligibility for the loan is based in part on your utility bill payment history with South Jersey Gas, and we will require you to submit a copy of a recent utility bill, showing the service address, and gas and electric usage. If you don’t have 12 months of utility history with South Jersey Gas, determination for loan eligibility will be based on your general credit history.

If additional information is needed you will be notified of the specific documentation required to process your application.

Submit to:
Energy Finance Solutions
431 Charmany Drive
Madison, WI 53719
Fax: 608.249.5788