Residential Energy Savings Loan
Benton REA offers low-interest (5%) loans up to $25,000 to help members finance energy efficiency projects. Terms range from 3 to 10 years, and both pre- and post-inspections are required.
Guidance
Benton REA offers low-interest (5%) loans up to $25,000 to help members finance residential energy efficiency projects. To qualify, members must own the home, have an account in good standing, and meet credit score requirements.
Homeowner Tasks
- Verify account status
Ensure you own the home and your Benton REA account is in good standing.
- Submit the loan application
Complete and submit the energy savings loan application before beginning any work.
- Meet credit score requirements
A credit score of 600 or higher is required for higher tier loans.
Contractor Tasks
- Provide a project estimate
Supply the homeowner with a detailed quote for the energy efficiency project to include with their loan application.
- Complete the installation
Perform the work only after confirming the homeowner's loan application has been approved.
- Provide final documentation
Give the homeowner a detailed final invoice and equipment specifications upon project completion.
Qualification
- Pre-approval required
Not required: energy star certified equipment · ahri matched pair · income-qualified · has income-qualified portion · permit required · contractor enrollment required · fuel switching required
Budget & Availability
- April 23, 2026Loan funds are actively available to qualified members.
How to Submit
Members must own the home, have an account in good standing, and a credit score of 600+ for higher tier loans. Complete the loan application, schedule a pre-inspection with Benton REA, have the work completed by a contractor, and complete a final post-inspection.