The CEA Loan Program is currently paused and not accepting new applications. We are awaiting Maryland Public Service Commission approval for the CEA Loan pilot program to be extended into the 2026 calendar year with additional funding.

If the PSC approves the pilot program extension for an additional year, all participating installers will be notified. At that time, we will re-open the CEA Loan portal for new applications once program funds have been re-evaluated.

Project Completion Deadline for Approved Loans:

All required Project Completion Documentation, including the Final Sales Invoice, the signed Affidavit Form, and the Rebate ID (if applicable), must be submitted by February 13th, 2026.

These deadlines cannot be extended under any circumstance.

The Clean Energy Advantage Loan Program offers Maryland residents a convenient and affordable financing option for residential energy improvements.

Get a 0% APR loan for the first 24 months on energy-saving upgrades like A/C, heating, insulation, windows, and more. After 24 months, interest will apply at market rates.

Find a participating contractor in your service area—Maryland residents served by BGE, SMECO, Potomac Edison, Delmarva Power, Pepco (excluding Montgomery County), or Washington Gas can apply. You must use an approved contractor and your utility’s rebate program.

• Credit scores as low as 580 may qualify—final approval also depends on underwriting guidelines
• No dealer fees associated with the program
• Fast and easy pre-approval process
• Loans must be combined with utility rebates, and can be combined with other state and federal incentives for even greater savings
• 0% APR interest for the first 24 months
• Loan amounts available from $3,000 to $50,000
• 0.50% rate reduction applied after 24 months, below market average
• Flexible loan terms: choose from 3, 5, 7 or 10 years

Offer valid while program funds last. A maximum of $50,000 in financing is available per installation address. Loan approval is contingent upon meeting the conditions of the Clean Energy Advantage Loan Program. Loans provided under the Clean Energy Advantage Loan Program are administered by the Maryland Clean Energy Center and Montgomery County Green Bank as authorized by the Maryland Public Utilities Commission.

Step 1

Identify your Utility

All CEA Loan applications must be directly linked to your utility’s rebate program. To begin, select your utility provider below to access their rebate information based on your desired project.

Weatherization projects correspond to the utility’s Home Performance with ENERGY STAR rebate program, while standalone HVAC projects correspond with the HVAC Efficiency rebate program.

Step 2

Obtain a Proposal

Obtain a proposal from a utility-approved contractors. The proposal must include only measures that are eligible for rebates under your utility’s program as part of the scope of work.

Step 3

Submit the CEA Loan Application

Before installation begins, your contractor submits a CEA Loan application on your behalf. The application includes project details, a copy of your utility bill, cost estimates, and a proposal.

Note: If you prefer, you may submit the application yourself; however, you will be responsible for gathering and uploading all required documentation before and after installation.

Step 4

Complete Underwriting

Once your CEA Loan application is approved, you must complete the underwriting process with the participating lender, Clean Energy Credit Union. Full loan approval from the credit union is required before installation can begin.

Step 5

Schedule Installation

Coordinate with your contractor to schedule and complete the installation of your project.

Step 7

Loan Disbursement

Funds are disbursed directly to your contractor once all Project Completion documents are approved by the program administration. At that point, you become responsible for repaying the loan to the lender.

View Utility Rebate Program Guidelines or Find a Participating Contractor:

• Provided over $5.1 million in affordable financing
• Approved more than 460 loans to assist Maryland homeowners with energy efficiency projects
• Saved 1.2 million kilowatt-hours of energy each year
• Created over 2100 FTE (full-time employment) job hours
• “The CEA Loan program is great for our customers because it allows them an exceptional financing option for life changing home improvements. These improvements increase home comfort and indoor air quality while reducing energy consumption, which ultimately saves the homeowner money on their utility cost,” said Michelle Burgee, CEO of Complete Home Solutions.
• “The CEA Loan program provides Maryland residents an incredible combination of savings, allowing them to pursue the best energy efficiency measures and equipment to save them energy and money in the future,” said Michael MacMillan, Chief of Staff for InClime, Inc.

The Clean Energy Advantage Loan Program offers 0% interest on the first 24 months. The Clean Energy Credit Union is the participating lender. Final rates and terms are determined by the Clean Energy Credit Union during the borrower’s underwriting process.