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CoastHills Credit Union and Ventura County Credit Union.
Single family homeowners in Santa Barbara, Ventura or San Luis
Obispo County can access the unsecured emPower Home
Upgrade Loan for Eligible Projects with the following benefits:
- Rates starting at 5.90% (fixed, vary based on creditworthiness)
- Loan size $1,000-$30,000
- Terms up to 15 years
- No equity or collatoral required
- No pre-payment penalties (can use pre-payment for one-time reamortization)
- No closing costs or fees
- Approval time in 1 day or less
Click here for an overview of our four step application process.
an eligible energy efficiency program (and California Solar Initiative, if applicable), you are ready to
submit a loan application to one of two lenders, based on your zip code - To determine which
lending institution serves your neighborhood, please enter your zip code in the blue box.
- Contractor bid proposal(s) and scope of work for the upgrades intended to be installed and financed by emPower.
- A letter verifying your project’s enrollment in the selected incentive program. Your proposal and scope of work should only include upgrades deemed eligible under an eligible energy efficiency rebate program (and California Solar Initiative Reservation Confirmation, if solar projects are included in loan application).