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0% Interest Loans

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Clean Energy Advantage (CEA)

The Clean Energy Advantage (CEA) Loan Program offers Maryland residents a convenient and affordable financing option for residential energy improvements. 

Get a 0% APR loan for the first 24 months on energy-saving upgrades like A/C, heating, insulation, windows, and more. After 24 months, interest will apply at market rates. 

CEA Applications
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Fast Facts

  • Credit scores as low as 580 may qualify—final approval also depends on underwriting guidelines
  • No dealer fees associated with the program
  • Fast and easy pre-approval process
  • Loans must be combined with utility rebates, and can be combined with other state and federal incentives for even greater savings
  • 0% APR interest for the first 24 months
  • Loan amounts available from $3,000 to $50,000
  • 50% rate reduction applied after 24 months, below market average
  • Flexible loan terms: choose from 3, 5, 7 or 10 years
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Eligibility

Maryland residents served by BGE, SMECO, Potomac Edison, Delmarva Power, Pepco (excluding Montgomery County), or Washington Gas can apply. You must use an approved contractor and your utility’s rebate program. 

Offer valid while program funds last. A maximum of $50,000 in financing is available per installation address. Loan approval is contingent upon meeting the conditions of the Clean Energy Advantage Loan Program. Loans provided under the Clean Energy Advantage Loan Program are administered by the Maryland Clean Energy Center and Montgomery County Green Bank as authorized by the Maryland Public Utilities Commission.

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Get your project started!

Begin by finding your utility and selecting a participating contractor. Contact the contractor to discuss high-efficiency equipment or home energy improvements. Keep in mind that eligible projects vary by utility, and all loan projects must go through your utility’s Home Performance with ENERGY STAR® (HPwES), Home Energy Improvement Program (HEIP), or HVAC rebate program. 

Find a Contractor

Results You Can See

Since 2022, the CEA Loan Program has helped Maryland homeowners save energy and reduce the costs while improving the comfort of their homes. The numbers speak for themselves:

  • Provided over $5.1 million in affordable financing
  • Approved more than 460 loans to assist Maryland homeowners with energy efficiency projects
  • Saved 1.2 million kilowatt-hours of energy each year 
  • Created over 2100 FTE (full-time employment) job hours  
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