Atlantic City Electric customers, New Jersey · Loan
Atlantic City Electric Residential Energy Efficiency 0% Financing
Run by National Energy Improvement Fund (NEIF) for Atlantic City Electric
Atlantic City Electric customers can borrow $2,500 to $25,000 at 0.00% APR through NEIF for heat pumps, central AC, mini-splits, geothermal, heat pump water heaters, smart thermostats, electrification and Whole Home Energy Solutions projects that qualify for an ACE rebate. Unsecured, no lien, fixed payments; 36 to 120 month terms.
Amounts
How much you get
0.00% APR loans from $2,500 to $25,000 (net of the rebate). Amount depends on credit score: 720+ up to $25,000; 700-719 up to $20,000; 680-699 up to $15,000; 640-679 up to $10,000. HVAC and Residential Electrification terms are 36, 60 or 84 months (120 months for low-to-moderate income); Whole Home Energy Solutions loans of $10,000 or less run 36, 60 or 84 months, and 120 months is available for $10,001-$25,000.
Eligibility
Do I qualify?
You need to meet all 3 of these.
Borrowers must be the Atlantic City Electric account holder, provide a utility bill and meet NEIF's credit guidelines.
Owner-occupied 1-4 unit primary or second home, deeded property or co-op, on a permanent foundation. No investment properties or properties held in trust.
The improvements must qualify for an ACE rebate and be done by a NEIF-Approved Contractor.
What to doUse a NEIF-Approved Contractor for a project that qualifies for an Atlantic City Electric rebate.
Equipment
What equipment counts
Applying
How to apply
Your contractor applies for you.
- Choose a NEIF-Approved Contractor.
- Apply online through your contractor's application link for an instant credit decision.
- Your contractor submits the required rebate forms.
- Sign electronic loan documents; NEIF pays the contractor once the work is done and the rebate is approved.
Stacking
Use it with
Requires a rebate-qualifying project. The 0% financing cap is $25,000 per project through one utility program.
Atlantic City Electric customers, New Jersey
Atlantic City Electric HVAC Efficiency Program
Up to $10,000 back
Atlantic City Electric customers get rebates on ENERGY STAR heating and cooling installed by a licensed contractor: $500 to $750 for heat pumps and mini-splits, $2,000 for cold climate heat pumps, $100 to $200 for central AC, $750 for heat pump water heaters, $150 smart thermostats and geothermal rebates. Low- to moderate-income customers get $300 more per unit.
Checked Oct 25, 2026
Atlantic City Electric customers, New Jersey
Atlantic City Electric Residential Electrification Rebates
Up to $10,000 back
Atlantic City Electric customers replacing gas, oil or propane equipment get up to $10,000 or 50% of cost for a whole-home cold climate heat pump, up to $5,000 for dual-fuel setups, geothermal rebates, panel upgrades up to $4,000 for income-qualified homes, $250 for induction cooking, $200 for a heat pump dryer and $25 to $75 for battery lawn equipment.
Checked Oct 25, 2026
Atlantic City Electric customers, New Jersey
Atlantic City Electric Whole Home Energy Solutions
Up to $7,500 back
Atlantic City Electric customers in 1-4 unit homes can have a BPI-certified participating contractor do a comprehensive energy assessment and then complete recommended upgrades for rebates of up to $7,500, based on the energy savings achieved and capped at 50% of project costs. 0% financing is available.
Checked Oct 25, 2026
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 Atlantic City Electric Residential Energy Efficiency 0% Financing pay?
Up to $25,000 loan.
Do I need to be a Atlantic City Electric customer?
Yes. It’s only for homes in Atlantic City Electric customers, New Jersey. See Do I qualify for the details.
Do renters qualify?
Owner-occupied 1-4 unit primary or second home, deeded property or co-op, on a permanent foundation. No investment properties or properties held in trust.
Do I need approval before I buy?
The improvements must qualify for an ACE rebate and be done by a NEIF-Approved Contractor. Use a NEIF-Approved Contractor for a project that qualifies for an Atlantic City Electric rebate.
Can I combine it with other rebates?
Yes, with Atlantic City Electric HVAC Efficiency Program, Atlantic City Electric Residential Electrification Rebates and Atlantic City Electric Whole Home Energy Solutions. See Use it with.
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.
Nearby
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Atlantic City Electric customers, New Jersey
Atlantic City Electric Appliance Rebates
Up to $750 back
Atlantic City Electric residential customers get mail-in or online rebates on new ENERGY STAR appliances: up to $300 for a clothes dryer, up to $150 for a washer, up to $100 for a refrigerator, $40 for a dehumidifier, $30 for a room AC and $750 for a heat pump water heater ($300 more for incomes at or below 400% of poverty). Some items get instant discounts in participating stores instead.
Checked Oct 25, 2026
Atlantic City Electric customers, New Jersey
Atlantic City Electric Energy Wise Rewards (Smart Thermostats)
$50
Atlantic City Electric customers who enroll an eligible smart thermostat in Energy Wise Rewards get $50 for enrolling and up to $50 in bill credits per device each year, up to $100 in the first year, for letting ACE cycle their central AC or heat pump on about five summer Peak Savings Days.
Checked Oct 25, 2026
Atlantic City Electric customers, New Jersey
Atlantic City Electric Home Weatherization Program
Up to $14,000 of work at no cost
Atlantic City Electric customers with household income between 250% and 400% of the federal poverty level get a free assessment and up to $14,000 in energy-saving upgrades plus $2,500 in health and safety work at no cost: smart thermostat, insulation, weather stripping, duct sealing, and heating and cooling tune-ups or replacements.
Checked Oct 25, 2026