All of Pennsylvania · Loan
Keystone Energy Efficiency Program (KEEP) Home Energy Loan
Run by National Energy Improvement Fund (NEIF), supported by the Pennsylvania Energy Development Authority (PEDA)
Reduced-rate loans of $2,500 to $25,000 for ENERGY STAR heating, cooling, water heating, insulation, windows and other upgrades in Pennsylvania owner-occupied homes. Rates are 4.99% APR for 36 months, 6.99% for 60 months and 7.99% for 120 months while program funds last.
Amounts
How much you get
Loans from $2,500 to $25,000 depending on credit, with no consumer fees and no prepayment penalty. Reduced rates for applications received after July 1, 2025 until program funds run out - 4.99% APR for 36 months, 6.99% APR for 60 months, 7.99% APR for 120 months.
Eligibility
Do I qualify?
You need to meet all 4 of these.
Your home is in Pennsylvania.
Owner-occupied one-to-four unit primary or second home in Pennsylvania, on a permanent foundation. Investment properties and homes held in trust aren't eligible.
Work must be done by an NEIF-Approved Contractor who certifies the equipment is ENERGY STAR listed.
What to doHire a contractor on NEIF's approved list; the contractor starts the application. Get a quote from a contractor
Applicants must meet NEIF's credit guidelines.
Equipment
What equipment counts
Applying
How to apply
Your contractor applies for you. Reduced rates apply until all allocated program funds are exhausted (about $10 million in the first phase).
- Choose an NEIF-Approved Contractor.
- Get a credit pre-screen and apply through the contractor's NEIF Financing Gateway.
The pre-screen won't affect your credit; the credit decision is instant.
- Sign the electronic loan documents once the contractor's proposal is uploaded.
- The contractor does the work and certifies the equipment qualifies.
Forms and instructionsKeystone Energy Efficiency Program (KEEP) Financing, Contractor Overview (NEIF, 2026) · NEIF Financing for Homeowners
Questions about applying(484) 838-5460 or lending@neifund.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 Keystone Energy Efficiency Program (KEEP) Home Energy Loan pay?
Up to $25,000 loan.
Do renters qualify?
Owner-occupied one-to-four unit primary or second home in Pennsylvania, on a permanent foundation. Investment properties and homes held in trust aren't eligible.
Do I have to use a contractor?
Yes. Work must be done by an NEIF-Approved Contractor who certifies the equipment is ENERGY STAR listed.
What’s the deadline?
No fixed deadline. Apply any time while it’s open.
Is it still available?
Yes. It was open when we last checked, on October 26, 2026.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
- Keystone Energy Efficiency Program (KEEP) Financing, Contractor Overview (NEIF, 2026)
- NEIF Financing for Homeowners
When one of these pages changes, we re-check this page against it.
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