Home Retrofit

Increased loan limits for on-bill loan repayment in 2024

To help make upgrades more affordable, Energy Trust of Oregon offers financing through Oregon on-bill loan repayment as well as increased incentives for income-qualified homeowners though Savings Within Reach on-bill loan repayment. To assist customers even further, current loan limits under both of these offers will increase from $10,000 to $15,000 on January 1, 2024.

Eligible upgrade qualifications for Oregon on-bill loan repayment

Eligible upgrades and income qualifications for Savings Within Reach

  • See the Savings Within Reach fact sheet for income qualifications and eligible upgrades for all qualifying property types.
  • In single-family or multifamily properties, projects qualify using income from homeowner. Additional requirements and information can be found on the Savings Within Reach web page.
  • Customer must approve work before it begins.

Multifamily customers
Trade allies currently enrolled in Oregon on-bill loan repayment and/or Savings Within Reach and Savings Within Reach on-bill loan repayment must also maintain an active trade ally status in the Existing Buildings multifamily program to offer the service to multifamily customers.

For questions regarding on-bill loan repayment please contact the participating lenders:

1.888.231.2170, ext. 225


*For homes that are primarily heated by gas provided by Avista, apply with PSCCU.

If you have questions about these changes, or if you are interested in enrolling in Oregon on-bill loan repayment and/or Savings Within Reach on-bill loan repayment, contact the Home Retrofit trade ally team at 1.866.365.3526.