Parts of California · Loan
0% Interest Home Upgrade Loan (WestLight Energy)
Run by WestLight Energy (formerly Peninsula Clean Energy)
WestLight Energy homeowners in San Mateo County and Los Banos can borrow up to $10,000 at 0% interest, with no fees, no credit check and 2 to 5 years to repay on their electric bill, for heat pump water heaters, heat pump HVAC and panel upgrades by an approved contractor.
Amounts
How much you get
Up to $10,000 at 0% APR with no fees, repaid over 2 to 5 years through a line on the PG&E bill. Up to two loans per electric account, together no more than $10,000. Larger projects are allowed, but only $10,000 can be financed.
Eligibility
Do I qualify?
You need to meet all 5 of these.
Active WestLight Energy residential customer with the PG&E bill in your name and a $0 past-due balance on your last three PG&E bills.
What to doRe-enroll with WestLight Energy if you opted out, and clear any past-due PG&E balance.
You must own the home and be the PG&E account holder; a landlord whose tenant holds the PG&E account can't borrow.
The work must be done by a WestLight Energy loan-approved contractor.
What to doPick a contractor from WestLight Energy's approved list, or ask yours to join it.
You must apply and sign the loan agreement before installation starts; finished projects can't be financed.
What to doApply with your contractor's quote and sign the loan agreement before any work begins.
No more than one active WestLight Energy loan.
Equipment
What equipment counts
Applying
How to apply
You apply online. Get approved before you buy anything.
- Choose a loan-approved contractor and get a quote.
- Apply online with the contractor's quote.
WestLight Energy processes applications within five business days.
- Sign the loan agreement.
The loan is approved once you sign, and it must be signed before installation starts.
- Have the upgrades installed.
- Sign off on the installation.
Your contractor prepares the payment-release forms; WestLight Energy pays the contractor the loan and any rebates.
- Repay on your electric bill.
The payment appears on your PG&E bill as "Energy Upgrade Loan Repayment" for the 2 to 5 years you chose.
Questions about applyingprograms@westlightenergy.org
Stacking
Use it with
Combines with WestLight Energy's Home Upgrade Rebates, which are paid to the contractor with the loan and reduce the amount you borrow.
Parts of California
Home Upgrade Rebates (WestLight Energy)
Up to $4,000 back
WestLight Energy customers in San Mateo County and Los Banos who own their home get $3,500 for a heat pump water heater replacing gas ($500 replacing electric), $1,500 for a heat pump replacing a gas furnace, and bonuses for panel upgrades, smart circuit controllers and CARE/FERA households.
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
Pick a contractor from WestLight Energy's approved list, or ask yours to join it.
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 0% Interest Home Upgrade Loan (WestLight Energy) pay?
Up to $10,000.
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?
You must own the home and be the PG&E account holder; a landlord whose tenant holds the PG&E account can't borrow.
Do I have to use a contractor?
Yes. The work must be done by a WestLight Energy loan-approved contractor.
Do I need approval before I buy?
Yes. Apply before you buy or install anything; purchases made first don’t qualify. You must apply and sign the loan agreement before installation starts; finished projects can't be financed. Apply with your contractor's quote and sign the loan agreement before any work begins.
Can I combine it with other rebates?
Yes, with Home Upgrade Rebates (WestLight Energy). See Use it with.
Is it still available?
Yes. It was open when we last checked, on October 27, 2026.
Can I pay the loan off early?
Yes, in full only. Partial prepayments aren't accepted; send full payoffs to WestLight Energy by check, not through your PG&E bill.
What happens if I sell my home or move?
You must pay the remaining balance in full. Closing the PG&E account also makes the balance due.
Can the loan be transferred?
No. It stays with the PG&E account holder and the property account at the time of the upgrade.
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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