Financing

Keystone HELP® Energy Efficiency Loans – Statewide Programs

Please Note:

  • If you live in Bucks, Chester, Delaware, Montgomery or Philadelphia Counties you may be eligible for lower interest rates through the EnergyWorks program.
  • Special Lower Rates on Keystone HELP Financing for Qualifying Homeowners in Bucks, Chester, Delaware, Montgomery and Philadelphia Counties
  • EnergyWorks is a comprehensive energy solutions program for home and building owners. EnergyWorks experts help owners find ways to reduce their building’s energy use, and EnergyWorks’ low-interest loans help them pay for the upgrades.
  • EnergyWorks has partnered with Keystone HELP, Pennsylvania’s statewide energy efficiency home improvement financing program (provided by Pennsylvania Treasury, Department of Environment Protection and AFC First Financial Corp.) to offer special lower interest rates for qualifying homeowners in southeastern Pennsylvania. EnergyWorks is a program of the Metropolitan Caucus, a coalition of Commissioners and Council members from Bucks, Chester, Delaware, and Montgomery Counties and the Mayor of Philadelphia. It is supported by a grant from the US Department of Energy’s Better Buildings Program



These rates are subject to change – Please Click here for Current Keystone Rates

How Do I Get an EnergyWorks / Keystone HELP Loan for
Whole-House Energy Improvements (0.99% Gold Level)?

From basement to attic and everywhere in between, you might be surprised by how much energy your home is wasting. Get the most value and greatest savings by making energy improvements throughout your entire home.

Step 1: Get a Home Energy Assessment

To get started with a whole-house energy improvement, schedule a home energy assessment. A certified building analyst will perform a complete assessment to pinpoint ways to save energy and make your home a more comfortable and healthy living space. The building analyst will also determine exactly how much you can save by making improvements. Your home energy assessment is performed by a participating EnergyWorks GOLD contractor, facilitated by the Energy Coordinating Agency, a partner of EnergyWorks. To find a building analyst near you, or schedule your home energy assessment, contact your participating EnergyWorks Gold Contractor or ECA Call Center at (215) 605-1052 to speak with a trained representative, or visit the ECA website

Important Savings! When you schedule a home energy assessment (at an average cost of $400) and complete at least $1,000 of energy efficiency improvements, you will recieve a $300 rebate. That’s an average of 75% savings!

Step 2: Finance Your Improvement

Apply online or call (888) 232-3477. We’ll have an approval within hours and pay the contractor after ECA has completed a quality assurance check on the job and the work is completed to your satisfaction.

How Do I Get an EnergyWorks/Keystone HELP Loan for
Targeted Energy Efficiency Improvements/Loan (4.99% to 5.99 Silver Level)?

Completing a home energy assessment and making energy renovations to your entire home gives you the greatest value and benefits, but every little bit helps. If you’re not ready to do a complete home energy overhaul, doing an individual project (like installing insulation or a more energy efficient furnace or boiler) is a great start.

Step 2: Finance Your Improvement

Apply online or call (888) 232-3477. We’ll have an approval within hours and pay the contractor after ECA has completed a quality assurance check on the job and the work is completed to your satisfaction.