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Go Green, Save Green:
Loans for Eco-Renovations

Unlock your Home’s Energy Efficiency Potential.

Upgrade to a more sustainable home with a variety of financing options to support energy-efficient improvements and more. Save money on utility bills while making your home more beautiful and functional.

Here are a few project examples that First U.S can finance, helping you reduce expenses and your carbon footprint.

Air Conditioning Icon

Updated Heating & Cooling Systems

Smart Appliances

Solar Panels & Cool Roofs

Energy Efficient Windows

GoGreen Home Energy Financing

Developed by the State of California to help residents finance energy improvements, a GoGreen Loan is an affordable option for qualifying residents. Learn More.

  • Fixed rates as low as 4.50% APR*
  • Upgrade windows, heating & cooling systems, and more!
  • 100% financing & No application fees

Apply Now Schedule Appointment

Eco-Upgrade+ Loan

Covering a wider range of eco-friendly improvements including solar panels and cool roofs, an Eco-Upgrade+ Loan is a great option for members out of service range for a GoGreen Loan. Learn More.

  • Fixed rates as low as 6.99% APR*
  • Solar panels, cool roofs, EV charging stations, and more!
  • Unsecured & Secured options

Apply Now Schedule Appointment

Home Equity Line of Credit (HELOC)

Our most flexible option for all types of home improvement as well as other goals, a HELOC is a convenient line of credit you can re-use over a long-term period. Learn More.

  • Rates as low as 5.99% APR* for 6 months, then (Prime + 0%)
  • Fund home improvement projects, consolidate debt, pay college tuition, and more!
  • Larger amounts with longer terms

Apply Now Schedule Appointment

About GoGreen Home Energy Financing

Improve your home’s energy efficiency with upgrades like installing new windows, sealing leaky ducts, or updating to an efficient heating and cooling system.

Developed by the State of California to help residents finance energy improvements, a GoGreen Loan from First U.S. might be the right fit for your needs.

  • Unsecured Loan amounts up to $50,000
  • Terms up to 15 years
  • Approval within 24 hours

Eligible Improvements:

  • Energy Efficient Appliances
  • Cool Roofs
  • Heating & Cooling Systems
  • Home Insulation
  • Lighting Fixtures
  • Water Heaters
  • Energy Efficient Windows & Doors

Note: A GoGreen Loan does not cover solar projects.

Term APRs as low as*
1 - 36 months 4.50%
37 - 60 months 5.00%
61 - 120 months 6.00%
121 - 180 months 7.00%

GoGreen Loan Calculator

You must choose an amount between 1 and 50000

Payments of
Total Interest
Total cost of Loan

Qualifications

  • 70% of the loan must be eligible for Energy Efficiency Measures (EEEMs) approved by the State of California, such as heating and cooling, insulation, air sealing, lighting, or dual pane windows. See what's eligible.
  • The remaining 30% of the loan can finance other efficient home improvements
  • Your contractor must be listed as a GoGreen Home Financing Participating Contractor as of the project start date. Find a contractor.
  • Property must receive gas and/or electric services from Pacific Gas & Electric, San Diego Gas & Electric, Southern California Gas, or Southern California Edison.

About our Eco-Upgrade+ Loan

Finance your eco-friendly upgrades with more flexibility and project options. No utility provider limitations.

  • Up to $25,000 unsecured & 100% financing
  • Up to $50,000 secured & up to 95% financing
  • Terms up to 20 years
  • Improvements must be professionally installed and loan proceeds will be dispersed directly to the contractor on completion

Eligible improvements:

  • Roofs, Cool Roofs
  • Dual Pane Windows
  • Home Insulation
  • Electric Water Heaters
  • Heat Pumps
  • Whole House Fans
  • EV Charging Stations
  • Solar Panels
  • Solar Batteries
  • Exterior Painting
  • Landscaping
Term (Secured) APRs as low as*
1 - 60 months 6.99%
60 - 120 months 7.49%
121 - 180 months 7.74%
181 - 240 months 7.99%

* +2% APR for unsecured loans. Maximum term is 84 months.

Eco-Upgrade+ Loan Calculator

 

You must choose an amount between 1 and 50000

You must choose an amount between 1 and 25000

Payments of
Total Interest
Total cost of Loan

Unsecured Eco-Upgrade+ loans must be paid off in 7 years or less.

GoGreen: *Annual Percentage Rates (APRs), terms, offers effective 05/29/2024 and subject to change. APR includes 0.50% discount for automatic payments. Income, credit and other criteria will determine actual APR, which may be higher. Payment example: 60 monthly payments of $18.87 per $1,000 borrowed. eStatements are required, or a statement fee may apply. Cannot be used to refinance an existing First U.S. loan. $25 savings required for membership. Pacific Gas and Electric Company (PG&E®), San Diego Gas & Electric Company (SDG&E®), Southern California Edison Company (SCE®) and Southern California Gas Company (SoCalGas®) are not making an offer to lend and have no role in reviewing or approving your financing application. First U.S. does not endorse or encourage the product or services of participating contractors.

Eco-Upgrade+: *Annual Percentage Rates (APRs), terms, offers effective 05/29/2024 and subject to change. APR includes 0.50% discount for automatic payments. Income, credit, and other criteria will determine actual APR, which may be higher. Owner-occupied improvements in California only. Loans for up to $25,000 can be unsecured. For Unsecured Loans, add 2% to APR. For loan amounts over $25,000, financing available up to 95% CLTV. Restrictions apply. Payment example: 60 monthly payments of $19.80 per $1,000 borrowed. Cannot be used to refinance an existing First U.S. loan.

HELOC: *APR is variable and based on Prime Rate as published in The Wall Street Journal on the last day of the previous month (currently 8.50%). Your actual rate may vary based on your credit history and CLTV. Minimum APR 3.99%. Maximum APR 15%. 20-year draw/repayment period with no annual fee. $499 opening fee for 2nd trust deeds or $799 for 1st trust deeds (waived if $5,000 initial advance is taken and account remains open for 3 years), plus recording fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. $200,000 maximum loan amount. Not available for purchases. Payment example: 6 monthly payments of $7.17 for each $1,000 borrowed, followed by 234 monthly payments of $8.67 for each $1,000 borrowed. If only minimum payments are made, a balloon payment will result.