0% UP TO $10,000


4.99% UP TO $15,000

Stress-Free Financing

Low Rates &<br>Great Terms

Low Rates &
Great Terms

Get a great fixed rate loan for your NJ Energy Efficiency project from community lenders that prioritize people over profits. Rates as low as 0% and terms as long as 10 years powered by LendKey’s network of local community lenders. Some projects are also eligible for rebates as high as $4,000. Click here for more information.



Have peace of mind knowing that we partner with a NJ approved network of contractors. The state requires each contractor to complete a meticulous training and approval process before program approval. Please click here to find a contractor in your area.

NJ Program<br>Process

NJ Program

To better understand your project qualifications, work directly with a local contractor to perform an energy audit on your home to see what upgrades best fit you. Properties with a minimum energy savings of 10% are eligible for the financing. Please click here for more information.



Our community lenders don’t charge borrowers any origination or prepayment penalties for their energy efficiency loans.

Qualified Improvements<br>Are Eligible

Qualified Improvements
Are Eligible

Only certain Home Performance with ENERGY STAR eligible measures such as heating, cooling and air sealing are approved for the financing. Your contractor will help guide you through the process to help decide which measures are best for you. Please click here for more information.

Help Build<br>Your Community

Help Build
Your Community

Participate in a program that not only helps decrease your energy bills, but also reduces your community’s carbon footprint.

More Info

cuGreenLoans is a low-cost financing solution provided by New Jersey Clean Energy Program’s Home Performance with Energy Star Program (HPwES) that helps New Jersey residents make an improvement on their home while also making an improvement on the environment. Eligible homeowners participating in the cuGreenLoans program enjoy low-cost financing through local not-for-profit credit unions. All improvements must be made with HPwES participating contractor who is BPI accredited, and all improvement must be made with HPwES Program’s eligible measures.

Becoming a HPwES participating contractor in the cuGreenLoans program is very beneficial and provides contractors with new business opportunities and favorable terms.

Contractors participating in New Jersey’s Home Performance with Energy Star meet the certification and accreditation guidelines of the Building Performance Institute (BPI), the industry’s resource for building science technology that sets the standards for assessing and improving the energy performance of homes.

All loans on are funded by community lenders like credit unions and community banks. These financial institutions work with LendKey to keep operating costs low, and pass on the savings directly to you.

Unlike many larger banks that may take deposits in one state and lend in others, community banks and credit unions channel most of their loans to the neighborhoods where their depositors live and work, helping to keep local communities vibrant and growing.