Home Retrofit

On-bill loan repayment options to expand for Avista customers


To help make upgrades more affordable for Avista customers, Energy Trust of Oregon offers Oregon On-Bill Repayment (OR OBR) as well as increased incentives for income-qualified homeowners through Savings Within Reach On-Bill Loan Repayment (SWR OBR). These offers will expand in 2025 to help customers even further.

The following changes will go into effect January 1, 2025:

ChangeOregon OBRSavings Within Reach OBR
Loan Limit increase from $15,000 to $30,000XX
Standalone financing for insulation X*
Financing smart thermostats with another eligible upgradeXX
Financing central air conditioners with an eligible gas furnace upgradeXX
Allowing additional equipment to be financed if paired with eligible upgrade**XX

* Insulation can currently be financed through Savings Within Reach On-Bill Loan Repayment as standalone upgrade.

**Examples of other equipment can also be financed if paired with eligible improvements may include electronic air filters, heat recovery ventilators or air conditioners and is subject to approval by PSCCU and Avista. To find out what other types of upgrades are eligible, please reach out to Home Retrofit team.

For more information about On-Bill Repayment, contact the Home Retrofit team at 1.866.365.3526.