Home Energy Loans

Making your home more energy efficient and comfortable is a great way to save money and reduce your impact on Colorado's environment.

Elevations home energy loans offer financing for energy efficiency and renewable energy upgrades for homes in Boulder County and the City/County of Denver.

Energy loans are made possible in conjunction with the grant-funded EnergySmart and Denver Energy Challenge services. Boulder and Denver Counties have set aside nearly $8 million of the grant funds to create a finance program to improve the energy efficiency of existing buildings and stimulate local economic growth.

Watch our video to learn more about how the program works. 


  • Make home energy improvements affordable.
  • Save money by reducing your utility bills.
  • Improve the comfort of your home.
  • Save time by working with an energy advisor to prioritize projects.
  • You may also qualify for local rebates to reduce your costs even further.

Loan details:

Home Energy Loan rates starting as low as 2.75% APR.

  • Fixed rates starting as low as 2.75% APR*.
  • 36, 60, 84, 120 or 180 month terms. 
  • Minimum loan of $500 
  • Property must be located in Boulder County or Denver County, Colorado.
  • Before a loan can be issued, an Energy Advisor will work with you to ensure your project meets loan eligibility criteria and any available rebates
  • $25 processing fee will be applied and all borrowers will be required to become members of Elevations Credit Union.

Approved home energy efficiency projects include:

Residential Energy Loan Borrower's Checklist

Print a PDF version of this Energy Loan Checklist

Step 1 & 2:

(These 2 steps can be done in any order):


Enroll in your local program

Boulder County's Energy Smart:
www.energysmartyes.com / 303.544.1000

City and County of Denver:  Denver Energy Challenge
www.denverenergy.org / 720.865.5520


Apply for your Elevations Energy Loan

Online: Click Here
to get started with your online  loan application

Call us: 800.429.7626

Visit a branch

Step 3:

Obtain bids and select an approved contractor

Step 4:

Approved contractor installs your approved energy saving measures

Step 5:

Set up loan closing with Elevations

Print a PDF version of this Energy Loan Checklist

Inquire Now: Call Us: 303.443.4672, 800.429.7626 | Email Us

Helpful Resources

Home Energy Loans Print Brochure (PDF)

Frequently Asked Questions

Energy Loan Rates

Home Energy Loan Checklist

About the Denver Energy Challenge
The Denver Energy Challenge can help you prioritize your energy saving projects, find contractors and identify available rebates. Visit denverenergy.org or call 720.865.5520

About EnergySmart in Boulder County  
An EnergySmart Advisor can help you prioritize your energy saving projects, find contractors and identify available rebates. EnergySmart services are available to homes and businesses in all Boulder County communities. Visit
EnergySmartYES.com or call 303.544.1300

Xcel Energy Customers
Any Xcel Rebates that you may qualify for can be combined with your Energy Loan as well as EnergySmart rebates. If you receive a rebate for your project, there is no prepayment penalty if you choose to use it to pay off part or all of your Energy Loan.  To find out what rebates you qualify for, talk to your EnergySmart Advisor. 

Congratulations on becoming part of Colorado's better energy future!

* APR = Annual Percentage Rate. Actual APR will be determined when you apply and will be based on your application and credit information. Click here for additional rate and disclosure information.

** For Solar Photovoltaic or other renewable energy source retrofits, contact the Denver Energy Challenge or EnergySmart of Boulder County for terms and conditions.

The use of Denver and County of Denver Energy Challenge Logo is by permission granted from the City and County of Denver, all rights reserved. The use of the EnergySmart Logo is by permission granted from Boulder County, all rights reserved.