JCP&L Residential Energy Efficiency 0% Financing

Amounts

How much you get

0.00% APR loans from $2,500 to $25,000 (net of the rebate), repaid on the JCP&L bill. The 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 terms are 36, 60 or 84 months (some income-qualified applicants 120); Whole Home Energy Solutions loans of $10,000 or less run 36, 60 or 84 months and $10,001-$25,000 run 120 months.

Eligibility

Do I qualify?

You need to meet all 3 of these.

• The primary applicant must be the JCP&L account holder and meet NEIF's credit guidelines.

• Owner-occupied 1-4 unit primary or second home, deeded property or co-op, on a permanent foundation. Investment properties and properties held in trust aren't eligible.

• The project must receive an approved JCP&L rebate and be done by a NEIF-Approved Contractor.

  What to doUse a NEIF-Approved Contractor and have them submit the JCP&L rebate application with your loan.

Equipment

What equipment counts

Applying

How to apply

Your contractor applies for you.

1. 1
   Choose a NEIF-Approved Contractor.
2. 2
   Apply online through your contractor's NEIF application link for an instant credit decision.

   Go to neifund.org

3. 3
   The contractor submits the JCP&L rebate form.
4. 4
   Sign the electronic loan documents.
5. 5
   NEIF pays the contractor once the work is done and the rebate is approved.

Start on neifund.org

Stacking

Use it with

Requires an approved JCP&L rebate. The 0% financing cap is $25,000 per project through one utility program; you can't use several utilities' financing programs.

• JCP&L customers, New Jersey

  JCP&L HVAC Equipment Rebates

  Up to $1,500 back

  JCP&L residential customers get mail-in rebates for ENERGY STAR heating and cooling equipment installed by a contractor: $500 to $1,000 for air-source heat pumps, $750 for ductless mini-splits, $1,500 for geothermal, $100 to $200 for central AC, plus $750 heat pump water heaters and $100 smart thermostats. Low- to moderate-income customers get $300 more per unit.

  Checked Oct 25, 2026

• JCP&L customers, New Jersey

  JCP&L Clean Comfort Program (Heat Pump and Electrification Rebates)

  Up to $12,000 back

  JCP&L customers replacing gas, oil or propane heat in a single-family home with a cold climate heat pump get the lesser of $10,000 or 50% of cost ($12,000 or 60% for moderate income), plus up to $2,000 each for re-ducting and decommissioning. Also covers geothermal, heat pump water heaters ($750), induction cooking and heat pump dryers ($400) and panel upgrades.

  Checked Oct 25, 2026

• JCP&L customers, New Jersey

  JCP&L Whole Home Energy Solutions

  Up to $7,500 back

  JCP&L customers who have a participating contractor audit their home and complete upgrades that save at least 5% of modeled energy use get $2,000 plus $200 for each percentage point of savings above 5%, up to $7,500 and no more than 50% of costs. 0% on-bill loans of $2,500 to $25,000 cover the rest.

  Checked Oct 25, 2026

Your address

Next steps

Check that it covers your address. Then, if you want, ask for a contractor quote.

FAQ

Questions

Plain words

Words used on this page

References

Sources

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

1. JCP&L Residential Energy Efficiency Program Financing (NEIF)neifund.org · Read Oct 25, 2026 · Re-checked weekly

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

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