Parts of California · Loan
EcoHome Payment Plan (San José Clean Energy)
Run by San José Clean Energy (SJCE)
San José Clean Energy customers can finance up to $5,000 at 0% interest, no money down and no credit check, repaid over 2, 3 or 5 years on their electric bill, for heat pumps, solar-paired batteries and related electrical work.
Amounts
How much you get
Up to $5,000 per household at 0% APR with no fees and no credit requirement, repaid over 2, 3 or 5 years on the electric bill. Paid directly to the contractor.
Eligibility
Do I qualify?
You need to meet all 4 of these.
SJCE customer on a residential rate with a $0 past-due balance on the last three PG&E bills and no other active loan with the City of San José.
What to doClear any past-due PG&E balance.
Own the home, or rent it with the homeowner's written approval.
What to doRenters need the owner's signed approval.
All upgrades must be done by the same program-eligible contractor.
What to doChoose a contractor from the EcoHome Payment Plan eligible list, or ask yours to enroll.
The project must include a heat pump water heater, heat pump HVAC or battery storage, and the loan agreement must be signed before installation.
What to doApply with your contractor's bid and sign the Customer Loan Agreement before work starts.
Equipment
What equipment counts
Applying
How to apply
You apply online. Get approved before you buy anything.
- Get estimates and pick a program-eligible contractor.
- Apply with your contractor's bid.
Processed within five business days.
- Sign the Customer Loan Agreement.
Funds are reserved for 120 days after signing.
- Install the upgrades.
- Contractor submits the claim.
SJCE pays the contractor the financed amount.
- Repay on your electric bill.
Forms and instructionsEcoHome Rebate - San José Clean Energy (contact)
Questions about applying1-844-933-6662 or SJCEPrograms@SMUD.org
Stacking
Use it with
Upgrades may also get the EcoHome Rebate, which reduces the amount financed.
Parts of California
EcoHome Rebate (San José Clean Energy)
Up to $4,000 back
San José Clean Energy customers get $1,500 for a heat pump HVAC system and $3,000 for a heat pump water heater (through Oct. 31, 2026) replacing gas, plus add-ons; income-qualified Environmental Justice Community households get more. Reserve before installing.
Checked Oct 27, 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 a contractor from the EcoHome Payment Plan eligible list, or ask yours to enroll.
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 EcoHome Payment Plan (San José Clean Energy) pay?
Up to $5,000.
Does it matter where I live?
Yes. It’s only for homes in Parts of California. See Do I qualify for the details.
Do renters qualify?
Own the home, or rent it with the homeowner's written approval. Renters need the owner's signed approval.
Do I have to use a contractor?
Yes. All upgrades must be done by the same program-eligible contractor.
Do I need approval before I buy?
Yes. Apply before you buy or install anything; purchases made first don’t qualify. The project must include a heat pump water heater, heat pump HVAC or battery storage, and the loan agreement must be signed before installation. Apply with your contractor's bid and sign the Customer Loan Agreement before work starts.
Can I combine it with other rebates?
Yes, with EcoHome Rebate (San José Clean Energy). See Use it with.
Is it still available?
Yes. It was open when we last checked, on October 27, 2026.
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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