Trico Electric Cooperative customers, Arizona · Loan
Energy Efficiency Loan Program (Trico Electric Cooperative)
Run by Trico Electric Cooperative
Trico members in good standing can finance insulation, windows and doors, heat pumps and HVAC, panel upgrades, batteries, EV charger and solar-readiness upgrades and other efficiency work at 1.99% interest, repaid on their electric bill.
Amounts
How much you get
Low-interest loan at 1.99%, repaid on your Trico bill and paid directly to the licensed contractor when the project is done. Loans up to $10,000 need a credit score of 620-700; loans over $10,000 need a score of 701 or higher and a lien (member pays filing costs). Terms: 3 years under $5,000, 3-5 years under $10,000, 7 years over $10,000. The page gives no maximum loan amount; the approved amount depends on your qualifications.
Eligibility
Do I qualify?
You need to meet all 5 of these.
Active Trico account with service established for at least 30 days.
Applicant must have authority to install improvements on the property.
What to doIf you rent, get the owner's authorization to install the improvements.
Good Trico payment history - no more than two late payments in the last 12 months and no disconnects for nonpayment in the last three years; new members without a waived deposit may need 12 months of billing history.
Satisfactory credit check (score 620-700 for loans up to $10,000; 701 or higher for loans over $10,000) and proof of income from your two most recent pay stubs (Social Security may count).
Work done by a registered and licensed Arizona contractor, meeting code and permit requirements.
What to doChoose a registered, licensed and bonded Arizona contractor and include them in your application; use the same contractor for all projects on one loan.
Equipment
What equipment counts
Applying
How to apply
You apply online. Get approved before you buy anything.
- Optional account prescreening.
Trico's prescreening form checks your account standing; it is not a loan application.
- Pick an eligible project and a licensed Arizona contractor.
Get an estimate; you have 30 days from when your application is processed to complete it, including finding a contractor.
- Apply online with documents.
Legal property description, proof of income, contractor license and bond, permits, signed program agreements.
- Trico reviews and approves.
Credit check, income verification and Trico account history review. Approval isn't guaranteed.
- Complete the project.
The contractor installs, or you provide receipts for eligible equipment bought within 90 days.
- Trico pays the contractor; you repay on your bill.
The approved final invoice is paid to the contractor and repaid monthly at a fixed rate on your electric bill.
Legal property description
Proof of income (two most recent pay stubs)
Contractor license and bond
Required permits
Signed program agreements
Final invoice, and receipts for appliances or equipment within 90 days of purchase
Forms and instructionsEnergy Efficiency Loan Program fact sheet (PDF)
Questions about applying520-744-2944 or energyloans@trico.coop
Stacking
Use it with
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 a registered, licensed and bonded Arizona contractor and include them in your application; use the same contractor for all projects on one loan.
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 Energy Efficiency Loan Program (Trico Electric Cooperative) pay?
Low-interest loan at 1.99%, repaid on your Trico bill and paid directly to the licensed contractor when the project is done. Loans up to $10,000 need a credit score of 620-700; loans over $10,000 need a score of 701 or higher and a lien (member pays filing costs). Terms: 3 years under $5,000, 3-5 years under $10,000, 7 years over $10,000. The page gives no maximum loan amount; the approved amount depends on your qualifications.
Do I need to be a Trico Electric Cooperative customer?
Yes. It’s only for homes in Trico Electric Cooperative customers, Arizona. See Do I qualify for the details.
Do renters qualify?
Applicant must have authority to install improvements on the property. If you rent, get the owner's authorization to install the improvements.
Do I have to use a contractor?
Yes. Work done by a registered and licensed Arizona contractor, meeting code and permit requirements.
Do I need approval before I buy?
Yes. Apply before you buy or install anything; purchases made first don’t qualify.
Is it still available?
Yes. It was open when we last checked, on October 27, 2026.
Does the loan raise rates for members who don't use it?
No. The program is funded by a Rural Utilities Service award and doesn't affect rates or members who don't participate.
Can I do more than one project with one loan?
Yes, if they use the same contractor. A different contractor needs a separate loan, and projects can't exceed the approved amount.
Can I qualify if I'm on payment assistance?
Yes, possibly. Members on payment assistance may still qualify with proof of income and a qualifying credit check.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
When one of these pages changes, we re-check this page against it.
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