Clay Electric Cooperative customers, Florida · Loan
Clay Electric Energy Conservation Loan
Run by Clay Electric Cooperative
Clay Electric members with a year of service and good credit can borrow up to $10,000 for heat pumps, insulation, efficient appliances, reflective metal roofing and solar water or pool heating. An energy survey is required.
Amounts
How much you get
Loans up to $10,000. The page gives no interest rate or term. Refinancing existing loans isn't allowed.
Eligibility
Do I qualify?
You need to meet all 3 of these.
Clay Electric member, active for at least 12 continuous months, with a good payment record.
Good credit history.
An energy survey is required.
What to doCall Clay Electric at 800-224-4917 to schedule an energy survey.
Equipment
What equipment counts
Applying
How to apply
Follow these steps.
- Get a Clay Electric energy survey.
- Submit the Energy Loan credit application.
Act on the credit approval within 30 days and finish the loan process within 90 days.
Questions about applying800-224-4917
Stacking
Use it with
Your address
Next steps
Check that it covers your address. Then, if you want, ask for a contractor quote.
Is it available at your address?
Before anything else
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 Clay Electric Energy Conservation Loan pay?
Up to $10,000 loan.
Do I need to be a Clay Electric Cooperative customer?
Yes. It’s only for homes in Clay Electric Cooperative customers, Florida. See Do I qualify for the details.
Do I need approval before I buy?
An energy survey is required. Call Clay Electric at 800-224-4917 to schedule an energy survey.
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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Clay Electric Energy Smart Rebates
Up to $600 back
Clay Electric members get bill credits for a 15.2 SEER2 heat pump ($250), heat pump water heater ($175), heat recovery unit ($200), attic insulation or spray foam (up to $600), solar water heater (up to $600) and window film or solar screens (up to $440). Apply online within 180 days.
Checked Oct 27, 2026
All of Florida
Florida PACE Financing (Property Assessed Clean Energy)
Amount varies
Florida homeowners in counties and cities that have joined a PACE program can finance energy-efficient HVAC, water heaters, insulation, windows, roofs, solar and other improvements and repay through an assessment on their property tax bill. Payments can't exceed 10% of household income or the total 20% of the home's value.
Checked Oct 27, 2026
All of Florida
Florida Property Tax Exclusion for Renewable Energy Devices
Amount varies
In Florida, the value that solar panels, inverters, solar water heating, batteries and other renewable energy equipment add to a home isn't counted when the county assesses the home for property tax. Applies to equipment installed on or after January 1, 2013, on new and existing homes.
Checked Oct 27, 2026