City of Albany customers, Georgia · Loan
Energy Conservation Loan Program (Albany Utilities)
Run by Albany Utilities (City of Albany)
Albany Utilities lends homeowners and landlords up to $10,000 at 0% interest over 60 or 90 months for ENERGY STAR electric HVAC (14 SEER minimum), water heaters, programmable thermostats, insulation and duct work. No income limit; get approval before buying anything.
Amounts
How much you get
A 0% interest loan of up to $10,000, repaid over 60 or 90 months with no early payoff penalty. A free energy assessment from the City comes with it.
Eligibility
Do I qualify?
You need to meet all 4 of these.
Residential electric customer of Albany Utilities, with 12 months of account history.
You must be the homeowner or the landlord, with a warranty deed or quit claim deed in your name.
No service fees and no more than one late fee in the previous 12 months. Approval depends on program criteria, available funds and City of Albany payment history. Only one active loan at a time per applicant.
The loan must be approved before you buy equipment or start work.
What to doSubmit the application and your contractor's proposal, and wait for formal approval before buying or starting work.
Equipment
What equipment counts
The program sets these minimums for furnaces, ac and thermostats.
- Central air conditioners
ENERGY STAR rated electric HVAC, minimum 14 SEER (per the U.S. Department of Energy). Gas appliances, window A/C units, screen doors and storm doors aren't covered.
Applying
How to apply
You apply online. Get approved before you buy anything.
- Fill in the Initial Interest Form on the program page.
- Submit the full application.
Include your contractor's or vendor's price proposal and a copy of your warranty deed or quit claim deed.
- Wait for formal loan approval before buying or starting work.
- Sign the loan promissory note and security deed.
- Have the work done and repay at 0% over 60 or 90 months.
Contractor's or vendor's price proposal
Warranty deed or quit claim deed in your name (no watermark copies)
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
Submit the application and your contractor's proposal, and wait for formal approval before buying or starting work.
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 Conservation Loan Program (Albany Utilities) pay?
$10,000.
Do I need to be a City of Albany customer?
Yes. It’s only for homes in City of Albany customers, Georgia. See Do I qualify for the details.
Do renters qualify?
You must be the homeowner or the landlord, with a warranty deed or quit claim deed in your name.
Do I need approval before I buy?
Yes. Apply before you buy or install anything; purchases made first don’t qualify. The loan must be approved before you buy equipment or start work. Submit the application and your contractor's proposal, and wait for formal approval before buying or starting work.
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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