Home Energy Loan Program
Helping residents finance home energy upgrades.
The Home Energy Loan Program (HELP) is now live and looking for borrowers! Apply for a low-interest loan to make your home more energy efficient today.
The Home Energy Loan Program (HELP) provides 2% APR* interest loans and small grants to help residents finance home energy upgrades that boost safety, health, energy efficiency, and climate resilience. Beyond financing, HELP includes incentives designed to empower borrowers, build wealth, enhance financial literacy, and support recovery from financial setbacks. This program is here to make energy improvements more accessible, impactful, and supportive of long-term financial wellbeing.
*Disclaimer: Annual Percentage Rate (APR): APR is a measure of the cost of credit, expressed as a yearly rate. The 2% APR rate is available to all qualified applicants who meet our underwriting criteria, regardless of credit score. Exact APR may vary between 2.0-2.5% depending on loan term and amount. This advertisement is not a guarantee of credit approval.
Goals
Increase Accessibility for Those Who Need It Most
Ensure loans are accessible to low- and moderate-income residents, providing financing for those who can benefit the most.
Support Essential Home Energy Improvements
Help homeowners finance upgrades that enhance the health, safety, efficiency, and resilience of their homes.
Promote Financial Empowerment
Reward Financial Responsibility
Offer rewards for consistent, on-time payments, supporting long-term financial stability.
HELP’s Key Features
Affordable financing to make energy-efficient home improvements within reach.
Accessible to all qualifying residents, regardless of credit score.
Reserved for those who will benefit most from reduced energy costs and increased home efficiency.
Guidance and assistance through every step of your home energy upgrade project, ensuring a smooth and successful process. Learn more about our HUG program here.
*Disclaimer: Annual Percentage Rate (APR): APR is a measure of the cost of credit, expressed as a yearly rate. The 2% APR rate is available to all qualified applicants who meet our underwriting criteria, regardless of credit score. Exact APR may vary between 2.0-2.5% depending on loan term and amount. This advertisement is not a guarantee of credit approval.
HELP is here!
HELP is now live and available to all qualifying Kingston residents. From replacing a window and improving insulation to installing a heat pump, we have you covered for all eligible projects up to $15,000. A portion of our loans can also be used to cover critical pre-electrification work such as electric panel upgrades, remediation of mold, lead, and asbestos, and structural repairs.
Ready to get started?
Questions? We're here to help!
Have questions and need help getting them answered? Send us a question, or contact us at the information below:
- Call us at 845-383-1050
- Visit the office at 190 Fair Street, Kingston, New York 12401 USA
Check out our other programs
Community Council
Energy Innovation
HELP Fund
