Home Energy Loans

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Make your home more energy efficient and comfortable to save money and reduce your impact on Colorado's environment.

We’re excited to announce that no matter where you live in Colorado, our home energy loans are now available statewide.

Energy Loan Programs
Energy Loan Benefits & Details

Energy Loan Programs

Boulder County Residents
EnergySmart Loans

Fort Collins Residents
City of Fort Collins Utilities HELP Loans

Residents of Colorado (other than in Boulder County and Fort Collins)
State of Colorado Energy Office RENU Loans


EnergySmart Loans for Boulder County Residents

For residents of Boulder County, energy loans are made possible in conjunction with the EnergySmart program. An EnergySmart advisor can help you prioritize your energy savings projects, find contractors and identify available rebates. If you live in Boulder County, please visit EnergySmartYES.com, email info@energysmartyes.com or call 303.544.1000 to get started.


HELP (Home Efficiency Loan Program) Loans for Fort Collins Residents

Elevations offers its energy loan program to City of Fort Collins utilities customers with electric and water services. Elevations will originate, fund and service Fort Collins HELP loans for solar, water conservation and energy efficiency projects. If you live in Fort Collins, please visit the Home Efficiency Loan Program website or call 877.981.1888 to learn more.



RENU Loans for Colorado Residents

The RENU Loan program is a statewide residential loan program sponsored by the Colorado Energy Office, in partnership with Elevations. The program makes home energy upgrades easy and affordable by offering low-cost, long-term financing for energy efficiency and renewable energy improvements. If you live in Colorado, other than in Boulder County or Fort Collins, please visit corenuloan.com, email ceo_renuloan@state.co.us or call 303.866.2259.

Energy Loan Benefits & Details


  • Make home energy improvements affordable
  • Save money by reducing your utility bills
  • Improve the comfort of your home
  • Afford more comprehensive energy retrofits or renewable energy upgrades
  • Avoid putting expenses on a high-interest credit card
  • Finance emergency equipment or an appliance replacement (such as an air conditioner, water heater or furnace)
  • You may also qualify for local rebates to reduce your costs even further

Loan details:

  • Fixed rates starting as low as 2.75% APR*
  • 36, 60, 84, 120 or 180 month terms
  • Minimum loan of $500
  • $25 processing fee will be applied
  • All borrowers will be required to become a member of Elevations Credit Union with a $25 deposit into a membership share account
  • UCC-1 County Filing Fees will apply

Examples of approved home energy projects include:

  • Energy assessments and monitoring
  • Insulation and air sealing
  • Energy Star appliances
  • Lighting
  • Space heating and cooling
  • Water heating
  • Windows
  • Rooftop solar photovoltaic

For complete details, please review the eligible measures list for each program.

Have a question? Contact us using the form on this page, or visit our Frequently Asked Questions.


Inquire Now: Call us at 800.429.7626 or use the contact form on this page to get in touch. 

* 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.

Have Questions? Use this form to contact our Energy Loan Team.

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency