NW Natural (Wash.)

Our home energy loans help hundreds of Washington homeowners annually.

Simple and accessible financing that lets you borrow the full cost of eligible energy improvements whether it’s installing efficient windows, insulating your home, or upgrading your hot water heater.

Craft3 will temporarily stop offering its Home Energy Loan on June 30, 2024 at 5 PM while we redesign this program to better meet the needs of our customers. If you are interested in applying for financing under the existing program, please submit your completed application before June 30, 2024 at 5 PM.

Financing to Fit

Finance up to 100 percent of eligible energy efficiency - measures up to a maximum loan amount of $15,000.

Simple Terms

No up-front loan fees or prepayment penalties. Perfect credit not required.

Fair Rates

Competitive interest rates, with no rate increase for lower credit scores.

a group of people standing around a kitchen counter

Make A Change For The Better.

Our financing has helped hundreds of homeowners. Our team makes it easy and helps you every step of the way. We look forward to working with you!


  • NW Natural customers are eligible for the Washington On-Bill Repayment program.
  • Perfect credit not required.
  • To assist in our loan decision, we may assess the last 12 months of your utility payments.
  • Property must be owner-occupied.
  • Detached single-family homes as well as
    condominiums, townhomes, manufactured homes, and small multifamily properties are eligible.

Rates & Terms

  • Competitive interest rates, with no rate increase for lower credit scores.
  • Convenient repayment through your utility bill.
  • Additional program or utility incentives may be available. Your contractor can determine eligibility.
  • Finance up to 100 percent of eligible energy efficiency measures up to a maximum loan amount of $15,000.
  • No up-front loan fees or prepayment penalties.


  • For more information about energy efficiency projects you can finance, click here.
  • Certain households may also be eligible for free or low-cost weatherization services. For more information about free services and rebates, contact Energy Trust of Oregon at 1-866-311-1822.
Annual Household Income
Interest Rate
Loan Amount
Security Loan Fee
More than
100% AMI**
(5.29% APR*)
Up to 15 years
$2,500 - $15,000
UCC - $200 (where applicable)
$10,000 loan at 5.29% APR.
180 payments of $80.61 per month
Equal to/Less than 100% AMI**
(4.79% APR*)
$10,000 loan at 4.79% APR.
180 payments of $77.98 per month

* APR, Annual Percentage Rate based on example loan criteria.
** The area median income (AMI) is the household income for the median household in a region. AMI is based on HUD Income Limits, See Income Limits | HUD USER and Section 8 Income Limits (huduser.gov) for more information.
Loan availability, terms, and conditions current as of 1/1/23 and are subject to change. Examples include financing of loan fees and a $200 recording fee, where applicable. All loan applications are subject to credit, property, and project approval. Maximum loan amount and Loan to Value apply and are subject to equity value and underwriting requirements for all programs. Applicants must be a customer of a listed participating utility. Loans that are secured by a UCC-1A filing will be recorded with the county. Subordination may be available with lender approval, fees may apply. Principal balance and interest are due on sale, transfer, refinance, or maturity. Due to Home Energy Loan funding sources, financed projects may require a cultural resource and historic preservation review. If a designation is made, the property owner will be responsible for costs incurred.

Financing Your Home Energy Project With Craft3

Get Started TodayIniciar

Our online application is user-friendly and we’re standing by to help. Pre-approval in as few as three to five business days.


Work with your contractor to finalize project cost.

NOTE: Your contractor must be approved as a trade ally by the program and/or utility. Contact us here for more information.


Securely sign your electronic loan documents. By request, document signing is also available by mail.


When your loan documents are signed, your contractor can get to work. When you’re satisfied with the work, you authorize final payment to your contractor.

NOTE: Some programs require a post-project review before final payment can be made to your contractor.


Repay your loan with automated payments through your utility bill.

Customer Stories

Financing in a Moment of Crisis

When the Wilson’s furnace failed in November, they found themselves in a difficult situation. A Craft3 Home Energy Loan let them purchase a new, efficient furnace quickly and keep their home warm through the winter.

Pay it Forward

Our Lending Model

When you repay your loan, we use that money to make other loans. This allows us to serve more homeowners. Over time, this makes a big difference for communities, local economies, and the environment.

Additional Resources

NW Natural offers additional programs and rebates that may help you save money or time.

Energy Trust of Oregon also offers rebates and incentives.

Download the Home Energy Loan brochure for Washington homeowners with NW Natural as their utility.

Download this Home Energy Loan FAQ that answers the questions most commonly asked.

Our Team

"You are never going to know what you like if you don’t try new things."

Genesis Torres
Loan Servicing Coordinator