Habersham EMC customers, Georgia · Loan
Energy Efficiency Loan Program (Habersham EMC)
Run by Habersham EMC
Habersham EMC pays up front for a 15 SEER heat pump, ductwork, insulation or a heat pump water heater recommended in a free energy assessment, and you repay it on your power bill over up to 10 years. Go Energy Financial also lends for heat pumps, windows, roofs, insulation, solar and EV chargers.
Amounts
How much you get
On-bill loan from Habersham EMC repaid over a maximum of 10 years, after a free energy assessment; amounts and rates aren't published. A separate Go Energy Financial credit union loan (closing fee) covers a wider list.
Eligibility
Do I qualify?
You need to meet all 3 of these.
Habersham EMC member; the Go Energy Financial loan needs good standing and at least 12 months of service.
Credit check required.
On-bill loan: at least 2 bids from contractors on Habersham EMC's participating list.
What to doGet two bids from contractors on Habersham EMC's list.
Equipment
What equipment counts
The program sets these minimums for heat pumps.
- Heat pumps
Heat pumps 15 SEER minimum.
Applying
How to apply
Get approved before you buy anything.
- Request a free energy assessment from Habersham EMC.
- Pick the improvements and get at least 2 bids from participating contractors.
- Habersham EMC approves the amount.
Then the work is done.
- Repay on your power bill for up to 10 years.
Forms and instructionsHabersham EMC: Contact Us
Questions about applying(800) 640-6812
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
Get two bids from contractors on Habersham EMC's list.
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 Efficiency Loan Program (Habersham EMC) pay?
Amount not published. On-bill loan from Habersham EMC repaid over a maximum of 10 years, after a free energy assessment; amounts and rates aren't published. A separate Go Energy Financial credit union loan (closing fee) covers a wider list.
Do I need to be a Habersham EMC customer?
Yes. It’s only for homes in Habersham EMC customers, Georgia. See Do I qualify for the details.
Do I have to use a contractor?
Yes. On-bill loan: at least 2 bids from contractors on Habersham EMC's participating list.
Do I need approval before I buy?
Yes. Apply before you buy or install anything; purchases made first don’t qualify.
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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