Home Upgrade Financing


Quick & Easy Approvals for Fixed, Low Interest Financing with HERO, Cal First Pace, & YGrene. Or Same-as-Cash and Fixed traditional loans with EnerBank. Read about all 4 programs below.

Jump to: EnerBank  |  Hero  |  Cal First  |  YGrene  |  Loan Calculator


california drought Reduced 9.99% APR and fixed monthly payments available in 3, 5, 7, 10 or 12 years.

california drought Reduced 6.99% APR and fixed monthly payments available in 5 or 7 years.

california drought Same-as-Cash available in 3, 6 or 12 months.

Cash may not be your best option.
Funds to pay for home improvement projects may come from your savings, tax rebates, bonuses, or some other source. But that trend is changing. Savvy homeowners are realizing that unsecured loans are easier to get, are faster to process, and reduce exposure to financial risk.

Here are some of the reasons EnerBank’s unsecured home improvement loans make sense:

No waiting. Get the entire project you want completed now the way you want it, instead of waiting to save up the cash.

Flexibility. Styles, prices, and models change frequently. Avoid product and other changes by completing your entire project now instead of in stages.

Unbeatable payment options. More ways to pay for your home improvement project. Ask your AGI Specialist about all your choices.

Financial flexibility. If your circumstances change, you may need cash reserves as a back-up plan for life’s necessities.

Low, fixed interest rates. These rates are easily available to anyone with good credit. Your rates never change for the life of the loan, even if you are late with a payment.

Unsecured. You don't have to put up your house as collateral.

Keeps your home equity intact. Reducing home equity takes away future options.

No headaches. After all your hard work and planning, you’ve earned a quick, hassle-free loan experience, and you get a response within minutes.

Prequalify with Enerbank


The HERO Program is a government-sponsored program that provides homeowners a unique opportunity to pay for home energy improvements through low fixed-interest property tax financing. Benefits include 5 – 20 year terms, tax deduction benefits, transferability when the property is sold and consumer protections.

HERO is the #1 energy efficiency financing program in the United States. HERO partners with local governments to make energy efficient, water efficient, and renewable energy products more affordable for homeowners..

HERO is unique in that it provides financing for approved energy efficient, water efficient, and renewable energy products. HERO finances 100% of the cost to purchase and install eligible products. HERO offers low-fixed interest rates, flexible payment terms including 5/10/15/20 years for most products, and repayments are made through your property taxes. Additionally, if the property is sold before the HERO Financing is paid in full, the remaining payments can be passed on to a new property owner..

HERO Financing is available to commercial and residential property owners in many cities and counties across the State of California.

HERO Financing is a simple 4 step process:

a. Apply - Find out how much your home is approved for.
b. Select - Choose the eligible products and select the contractor for your job.
c. Sign - Sign your financing documents.
d. Complete – Finish the installation.

california drought Tax deductibility
california drought Transferability if property is sold
california drought No credit score requirements
california drought No income requirements
california drought Consumer protections
california drought Zero Down
california drought Available in 5, 10, 15, or 20 year terms as a line item in your property tax bill

Prequalify with HERO


CaliforniaFIRST is a public/private financing program that provides upfront funding for energy efficiency, renewable energy and water saving improvements for your home. Simply apply, complete your projects and repay the financed amount on your property taxes over the course of up to 25 years. CaliforniaFIRST allows you to save money and energy — benefiting both you and your community.

california drought 100% financing. No out-of-pocket costs
california drought Borrow up to 15% of property value
california drought Flexible repayment terms: 5, 10, 15, 20 or 25 years
california drought May add value to property
california drought Fast in-home approvals
california drought No prepayment penalty and free re-amortization
california drought Balance may transfer to new owner upon sale
california drought Financed amount won’t appear on credit report:
california drought NO impact on future debt-to-income ratio

CaliforniaFIRST is a Property Assessed Clean Energy (PACE) program administered by Renew Financial, an Oakland-based clean energy finance company that specializes in affordable financing for renewable energy and energy efficiency projects. This innovative form of financing was created by state and local governments to encourage energy and water efficiency while also creating jobs.

Lower utility bills, increased comfort and value.

When you replace a heating or air conditioning system, replace your windows, update your insulation or make other efficiency upgrades to your property, you’ll experience a more comfortable home or business while lowering your utility bills and increasing property values. Not to mention you’ll be doing something that’s good for your community and the environment.

No banks. Not based on FICO score. No money down.

Our program solves many of the financial hurdles facing property owners wanting to install energy and water improvements. Unlike typical home improvement loans, CaliforniaFIRST financing is an assessment on your property, not a loan that is based on your credit rating, so you don’t need to put any money down. Because it’s a government-backed PACE program, CaliforniaFIRST is able to offer affordable long-term financing you can repay on your property taxes.

Competitive interest rates.

Our rates vary from 6.75% for five years up to 8.39% for a 25-year term. CaliforniaFIRST offers attractive interest rates compared to other fixed rate options in the market. When you consider the ease of applying, the fast approvals, and the breadth of eligible products, you can see why hundreds of Californians are choosing CaliforniaFIRST for their next home improvement project.

We offer competitive rates with up to a 25-year payback term. The savings that you are likely to experience from decreased utility bills because of reduced electricity and water usage should offset the payments. The payment obligation may transfer to the new owner if the property is sold.


Ygrene Energy Fund is the nation’s leading multi-state provider of residential and commercial property assessed clean energy financing. The award-winning, privately funded YgreneWorks program provides immediately accessible financing with no upfront costs for energy efficiency, renewables, water conservation, and, in certain areas, hurricane protection, electric vehicle charging stations and seismic upgrades. Ygrene is committed to making it easy for families to invest in their future and a healthier environment. Over the next five years, YgreneWorks is projected to create tens of thousands of local jobs and invest hundreds of millions into local economies.

california drought 100% financing. No out-of-pocket costs
california drought Tax deductibility
california drought Flexible repayment terms: 5, 10, 15, 20 or 25 years
california drought May add value to property
california drought Fast in-home approvals
california drought No prepayment penalty and free re-amortization
california drought Balance may transfer to new owner upon sale
california drought Financed amount won’t appear on credit report:
california drought NO impact on future debt-to-income ratio

Ygrene's Growing Service Areas: https://ygreneworks.com/serviceareas-california


The results of this loan payment calculator are for comparison purposes only. They will be a close approximation of actual loan repayments if available at the terms entered, from a financial institution such as HERO and CalFirst. This is being provided for you to get an idea of what your monthly payments would look like with AGI. To use, enter values for the Loan Amount, Number of Months for Loan, and the Interest Rate, and click the Calculate button. The average Interest Rate with either HERO, Ygrene or CalFirst, generally falls between 6.00 to 8.00%.

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The calculator tool and estimates offered are for educational purposes only. Actual financing terms, rates and conditions may vary

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