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Cobb EMC customers, Georgia · Loan

Energy Efficiency and Renewable Energy Loan (Cobb EMC)

Run by Cobb EMC with Go Energy Financial

Cobb EMC and Go Energy Financial lend $500 to $25,000 at 9.90% APR for insulation, sealing, ENERGY STAR windows, heating and cooling, heat pump water heaters and solar, done by a Cobb EMC approved contractor.

Open Checked Oct 27, 2026
Apply before you buy or install anything.Purchases made first don't qualify.

Amounts

How much you get

Loans of $500 to $25,000 at 9.90% APR: up to 36 months for $500 to $3,000, 36 to 60 months up to $7,500, 61 to 96 months up to $25,000. $65 closing cost. Loans up to $7,500 are unsecured; larger loans are secured by the improvement, not the home.

Eligibility

Do I qualify?

You need to meet all 5 of these.

  • Receives electric service from Cobb EMC.

  • Good credit history and proof of income; Go Energy Financial approves the loan.

  • A site-built home, not a manufactured home.

  • Work by a Cobb EMC approved contractor, with ENERGY STAR certified materials, inspected by Cobb EMC.

    What to doGet an estimate from a contractor on Cobb EMC's approved list.

  • Split-system heat pumps and air conditioners 14.5 SEER or more (package 14 SEER); furnaces 90% AFUE or more.

Equipment

What equipment counts

The program sets these minimums for heat pumps, furnaces, ac and thermostats and solar and batteries.

  • Heat pumps

    Split system air source heat pumps 14.5 SEER or more; package systems 14 SEER or more.

  • Central air conditioners

    Air conditioners: split systems 14.5 SEER or more, package 14 SEER or more.

  • Furnaces

    Furnaces 90% AFUE or more.

  • Heat pumps

    ENERGY STAR certified materials.

  • Solar water heating certified by the Solar Rating and Certification Corporation.

Applying

How to apply

You apply online. Complete the work and close the loan within 60 days of approval. Get approved before you buy anything.

  1. Pick a qualifying improvement.
  2. Get an estimate from a Cobb EMC approved contractor.
  3. Apply online with Go Energy Financial.

    Approval usually takes 24 to 48 hours. Don't start work until Go Energy Financial confirms.

    Go to cobbemc.com

  4. Have the work done.

    You have 60 days after approval to complete and close the loan.

  5. Cobb EMC inspects the work and you sign the loan.

    The check is made out to the contractor; payments go to Go Energy Financial by automatic withdrawal.

Questions about applyingmarketing@cobbemc.com

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.

FAQ

Questions

How much does Energy Efficiency and Renewable Energy Loan (Cobb EMC) pay?

Work done at no cost. Loans of $500 to $25,000 at 9.90% APR: up to 36 months for $500 to $3,000, 36 to 60 months up to $7,500, 61 to 96 months up to $25,000. $65 closing cost. Loans up to $7,500 are unsecured; larger loans are secured by the improvement, not the home.

Do I need to be a Cobb EMC customer?

Yes. It’s only for homes in Cobb EMC customers, Georgia. See Do I qualify for the details.

Do I have to use a contractor?

Yes. Work by a Cobb EMC approved contractor, with ENERGY STAR certified materials, inspected by Cobb EMC.

Do I need approval before I buy?

Yes. Apply before you buy or install anything; purchases made first don’t qualify.

What’s the deadline?

No fixed deadline. Apply any time while it’s open.

Is it still available?

Yes. It was open when we last checked, on October 27, 2026.

References

Sources

This page is built from these official pages, run by the program itself.

  1. Cobb EMC: Energy Efficiency and Renewable Energy Loanscobbemc.com · Read Oct 27, 2026 · Re-checked weekly

When one of these pages changes, we re-check this page against it.

Report a problem with this page

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