Town of Clayton customers, North Carolina · Loan
Interest-Free Energy Loan Program (Town of Clayton)
Run by Town of Clayton Utilities & Billing
Clayton Public Power homeowners can borrow $500 to $5,000 at 0% interest for heat pumps, electric water heaters, insulation, windows, doors and ductwork, repaid on the utility bill.
Amounts
How much you get
0% interest loans from $500 to $5,000, repaid as a line on the monthly utility bill over one to three years (for example $5,000 over three years at $138.88 a month). The balance is due if the home is sold or no longer owner-occupied.
Eligibility
Do I qualify?
You need to meet all 3 of these.
Town of Clayton resident and Clayton Public Power customer with an account in good standing for the past 12 months.
Must own and live in the home for the whole repayment period.
Projects are approved in advance by the Electrical Department and Customer Service, with an onsite visit.
What to doSubmit contractor quotes and get the project approved before work starts; allow an onsite visit.
Equipment
What equipment counts
The program sets these minimums for heat pumps.
- Heat pumps
High efficiency electric heat pump, minimum 15 SEER.
Applying
How to apply
You apply by mail. Get approved before you buy anything.
- Submit the application with contractor quotes to Utilities & Billing.
- Electrical Department and Customer Service approve the project; onsite visit.
- Sign a promissory note.
- Repay monthly on your utility bill.
Contractor quotes for all work
Questions about applying919-553-5002 or utilities@townofclaytonnc.org
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 contractor quotes and get the project approved before work starts; allow an onsite visit.
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 Interest-Free Energy Loan Program (Town of Clayton) pay?
Up to $5,000 loan.
Do I need to be a Town of Clayton customer?
Yes. It’s only for homes in Town of Clayton customers, North Carolina. See Do I qualify for the details.
Do renters qualify?
Must own and live in the home for the whole repayment period.
Do I need approval before I buy?
Yes. Apply before you buy or install anything; purchases made first don’t qualify. Projects are approved in advance by the Electrical Department and Customer Service, with an onsite visit. Submit contractor quotes and get the project approved before work starts; allow an onsite visit.
Is it still available?
Yes. It was open when we last checked, on October 25, 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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