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South Carolina Public Service Authority customers, South Carolina · Loan

Smart Energy Loan for Energy Efficiency (Santee Cooper)

Run by Santee Cooper

Santee Cooper lends homeowners $500 to $20,000 at 5.0% for high efficiency heat pumps, duct replacement and heat pump water heaters, repaid over up to 60 months on loans of $1,000 or more.

Open Checked Oct 25, 2026
Apply before you buy or install anything.Purchases made first don't qualify.

Amounts

How much you get

Loans from $500 to $20,000 at the current 5.0% rate; up to 60 months to repay loans of $1,000 or more. No prepayment penalty. Santee Cooper pays the Trade Ally directly.

Eligibility

Do I qualify?

You need to meet all 4 of these.

  • You get your utility service from South Carolina Public Service Authority (South Carolina).

  • Homeowner and Santee Cooper residential customer; the name on the deed must match the electric account.

  • Credit approval required.

  • Proposal from a Santee Cooper Trade Ally (or a South Carolina licensed plumbing contractor for a heat pump water heater) for rebate-eligible equipment, approved before work starts.

    What to doGet a proposal from a Santee Cooper Trade Ally and wait for approval before work begins.

Applying

How to apply

Get approved before you buy anything.

  1. Apply online or by mail.

    A decision comes within five business days; approved applications stay active 90 days.

    Go to santeecooper.com

  2. Get a proposal from a Trade Ally (or licensed plumber for a heat pump water heater).
  3. Send the proposal and rebate application.

    Mail or email energy.advisor@santeecooper.com. Don't start work until the proposal is approved.

    Go to santeecooper.com

  4. Sign the loan documents electronically.
  5. Santee Cooper pays the Trade Ally after installation.

Forms and instructions, including for applying by mailSantee Cooper: Smart Energy Loan Application for Energy Efficient Improvements

Questions about applyingenergy.advisor@santeecooper.com

Stacking

Use it with

Rebates don't depend on getting a loan.

  • South Carolina Public Service Authority customers, South Carolina

    Smart Energy Existing Homes Rebates (Santee Cooper)

    Up to $700 back

    Santee Cooper's 2026 Smart Energy Existing Homes program pays rebates for heat pumps ($300 to $700 a system, mini-splits $40 to $80 per half ton), heat pump water heaters ($400), duct replacement ($500), pool equipment and ENERGY STAR appliances, through November 30, 2026.

    Checked Oct 25, 2026

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.

FAQ

Questions

How much does Smart Energy Loan for Energy Efficiency (Santee Cooper) pay?

Up to $20,000 loan.

Do renters qualify?

Homeowner and Santee Cooper residential customer; the name on the deed must match the electric account.

Do I have to use a contractor?

Yes. Proposal from a Santee Cooper Trade Ally (or a South Carolina licensed plumbing contractor for a heat pump water heater) for rebate-eligible equipment, approved before work starts.

Do I need approval before I buy?

Yes. Apply before you buy or install anything; purchases made first don’t qualify.

Can I combine it with other rebates?

Yes, with Smart Energy Existing Homes Rebates (Santee Cooper). See Use it with.

Is it still available?

Yes. It was open when we last checked, on October 25, 2026.

References

Sources

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

  1. Santee Cooper: Smart Energy Loanssanteecooper.com · Read Oct 25, 2026 · Re-checked weekly
  2. Santee Cooper: Smart Energy Loan Application for Energy Efficient Improvementssanteecooper.com · Read Oct 25, 2026 · Re-checked monthly

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

Report a problem with this page

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