Brunswick EMC customers, North Carolina · Loan
Energy Efficiency Loan (Brunswick EMC)
Run by Brunswick EMC
Brunswick EMC lends homeowners up to $10,000 at 5% APR for heat pumps, heat pump water heaters, windows, doors, insulation and duct work, repaid on the electric bill over about five years.
Amounts
How much you get
Loan up to $10,000 at 5% APR, generally repaid over five years on the monthly energy bill. UCC filing fees apply at approval.
Eligibility
Do I qualify?
You need to meet all 3 of these.
Brunswick EMC member with at least one year of service and a good payment history.
Must own the property.
Credit score of 600 or higher; approval is based on credit underwriting.
Equipment
What equipment counts
The program sets these minimums for heat pumps.
- Heat pumps
Minimum 15 SEER2 and a smart thermostat.
Applying
How to apply
You apply online.
- Choose a contractor and get cost estimates.
Include size, manufacturer and model; for heat pumps include the SEER2 rating and tonnage.
- Complete the online loan application.
- Get a status notification within three business days.
- Pay UCC filing fees when the Notice of Approval is presented.
Questions about applyingloans@bemc.org
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 Energy Efficiency Loan (Brunswick EMC) pay?
Up to $10,000 loan.
Do I need to be a Brunswick EMC customer?
Yes. It’s only for homes in Brunswick EMC customers, North Carolina. See Do I qualify for the details.
Do renters qualify?
Must own the property.
Is it still available?
Yes. It was open when we last checked, on October 25, 2026.
Plain words
Words used on this page
- SEER2 and EER2
- Cooling efficiency ratings on the model’s spec sheet. Higher is better.
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.
Nearby
More in North Carolina
Brunswick EMC customers, North Carolina
Residential Rebates (Brunswick EMC)
Up to $600 back
Brunswick EMC bill credits of $300 for a high-efficiency heat pump, $600 for a cold climate heat pump, $300 for a heat pump water heater and $150 for a variable speed pool pump, up to two of each per account.
Checked Oct 25, 2026
All of North Carolina
Home Electrification and Appliance Rebates (HEAR)
Up to $14,000
Instant discounts of up to $14,000 per household on heat pumps, heat pump water heaters, electric cooking, heat pump dryers, insulation and air sealing, panels and wiring, for North Carolina households up to 150% of area median income, through a Registered Contractor.
Checked Oct 25, 2026
All of North Carolina
Homeowners Managing Efficiency Savings (HOMES)
Up to $16,000 back
Rebates of up to $16,000 for whole-home energy upgrades (insulation, air sealing, heating and cooling, water heaters, windows, appliances) that save at least 20% of a home's modeled energy use, for North Carolina households up to 150% of area median income.
Checked Oct 25, 2026