Seattle City Light

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 a heat pump, insulating your home, or replacing windows.

Financing to Fit

Finance up to 100 percent of eligible energy efficiency - measures up to a maximum loan amount of $50,000.

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!


  • Offered to Seattle City Light customers.
  • 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.
  • Eligible measures include:
    - Energy efficiency improvements such as a heat pump or window replacement
    - Critical repairs.
    Ask your lender if you have questions about eligibility.

Rates & Terms

  • Finance up to 100 percent of eligible energy efficiency measures up to a maximum loan amount of $50,000.
  • No up-front loan fees or prepayment penalties.


  • Convenient repayment through your utility bill.
  • You may also be able to finance critical repairs required in order to undertake an eligible energy efficiency project.
  • Additional program or utility incentives may be available. Your contractor can determine eligibility.
Annual Household Income
Interest Rate
Loan Amount
Security Loan Fee
More than 100% AMI**
(5.227% APR*)
Up to 20 years
$2,500 - $50,000***
UCC - $200 (where applicable)
$10,000 loan at 5.227% APR.
120 payments of $134.80 bimonthly
Equal to/Less than 100% AMI**
4.49% (4.726% APR*)
$10,000 loan at 4.726% APR.
120 payments of $129.16 bimonthly

* 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 or more information.
*** Maximum loan amount is $25,000 for Loans not secured by a UCC-1A filing.
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.
+ Critical repairs could include mold abatement; asbestos removal; leak repairs, including relevant wall and floor replacement; roof repair/replacement; rodent/pest removal and prevention; electrical upgrades including panel replacement; and air quality improvement.

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

Energy-Efficiency Upgrades for a Seattle Home

A Craft3 Home Energy Loan let Tanya install a ductless heat pump, and insulate and weatherproof her older home.

Pay it Forwrd

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

Low-income households may be eligible for additional low-cost services.

Download the Home Energy Loan brochure for Washington homeowners with Seattle City Light as their utility.

Seattle City Light also provides information online about Heating and Cooling Your Home and Oil Heating including resources to help you convert to a more efficient heating option. It also offers additional programs and rebates that may help you save money or time.

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

Our Team

“I love numbers! But I never forget that behind every application I review there’s a person that deserves careful and personalized attention.”

Nicole Gerke
Consumer Credit Underwriter, VP