Decatur Utilities customers, Alabama · Loan
Decatur Utilities On-Bill TVA EnergyRight Loan
Run by Decatur Utilities with TVA EnergyRight
Decatur Utilities electric customers who qualify can borrow for a new heat pump or other qualifying efficiency upgrade at 8% for up to 10 years, repaid on the DU electric bill, with a Quality Contractor Network member doing the work.
Amounts
How much you get
On-bill loan at an 8% interest rate with terms up to 10 years; the monthly payment is added to the DU electric bill and the contractor is paid directly. Decatur's page gives no loan limits; TVA EnergyRight's financing page says loans run from $2,500 to $20,000.
Eligibility
Do I qualify?
You need to meet all 3 of these.
Decatur Utilities electric customer.
Credit approval. TVA EnergyRight's financing page sets a minimum credit score of 625.
The installation must be done by a TVA Quality Contractor Network member, who submits the project to TVA EnergyRight.
What to doChoose Decatur Utilities in the Quality Contractor Network search on energyright.com and get quotes from several contractors. Energy Right Solutions (Decatur Utilities)
Equipment
What equipment counts
Applying
How to apply
You apply online. Get approved before you buy anything.
- Start the loan application online.
Go to energyright.mytva.com/finance/financezip (or call 1-855-237-2673), enter your ZIP, choose Decatur Utilities and create an account.
- Apply for financing.
Upload a copy of your driver's license and your most recent utility bill.
- Get a decision by email within 48 hours.
- Pick a Quality Contractor Network contractor and give them your loan approval number.
- Sign the loan documents electronically after installation.
The contractor is paid once you sign.
- Repay monthly on your Decatur Utilities electric bill.
Driver's license
Most recent utility bill
Forms and instructions, including for applying by mailEnergy Right Solutions (Decatur Utilities) · TVA EnergyRight Home Energy Rebate Schedule (Decatur Utilities, updated Jan 2026) · TVA EnergyRight home energy upgrade financing
Questions about applying256-552-1400
Stacking
Use it with
The financed upgrade can also earn a TVA EnergyRight rebate.
EnergyRight, through local power companies and Arab Electric Cooperative and Cullman Electric Cooperative and Decatur Utilities and Hartselle Utilities and Sheffield Utilities and Fort Payne Improvement Authority and Marshall-DeKalb Electric Cooperative and Muscle Shoals Electric Board and Russellville Electric Board and Sand Mountain Electric Cooperative and Scottsboro Electric Power Board customers, Alabama
TVA EnergyRight Home Upgrade Rebates (north Alabama)
Up to $1,500 back
Customers of participating north Alabama power companies get $500 to $800 for a heat pump, $800 for a ductless mini split, $1,500 for a geothermal heat pump, $200 to $400 for central AC, $50 for an HVAC tune-up and $300 each for duct sealing, air sealing, attic insulation and wall insulation, when a TVA Quality Contractor Network member does the work.
Checked Oct 26, 2026
Your address
Next steps
Check that it covers your address. This program has to approve you before you buy anything, so start with the program, not a contractor quote.
Is it available at your address?
Before anything else
Choose Decatur Utilities in the Quality Contractor Network search on energyright.com and get quotes from several contractors.
Your quote request is in If a contractor we work with serves your ZIP, they can contact you. We take one request per person; contact us to change it.
Get an email if this program changes
We'll write if its amount, status or deadline changes. Nothing else.
FAQ
Questions
How much does Decatur Utilities On-Bill TVA EnergyRight Loan pay?
Up to $20,000 loan.
Do I need to be a Decatur Utilities customer?
Yes. It’s only for homes in Decatur Utilities customers, Alabama. See Do I qualify for the details.
Do I have to use a contractor?
Yes. The installation must be done by a TVA Quality Contractor Network member, who submits the project to TVA EnergyRight.
Do I need approval before I buy?
Yes. Apply before you buy or install anything; purchases made first don’t qualify.
Can I combine it with other rebates?
Yes, with TVA EnergyRight Home Upgrade Rebates (north Alabama). See Use it with.
Is it still available?
Yes. It was open when we last checked, on October 26, 2026.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
- Energy Right Solutions (Decatur Utilities)
- TVA EnergyRight Home Energy Rebate Schedule (Decatur Utilities, updated Jan 2026)
- TVA EnergyRight home energy upgrade financing
When one of these pages changes, we re-check this page against it.
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