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Tip #202

Ensure programmable thermostats are programmed correctly. Install a locking cover to prevent tampering.

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Fort Collins Utilities is an equal opportunity residential and commercial utility service provider. We do not discriminate in the terms, conditions or provision of services based on race, color, religion, sex, disability, familial status or national origin.

Fort Collins Utilities es una empresa proveedora de servicios públicos residenciales y comerciales con igualdad de oportunidad. No discriminamos en los términos, las condiciones o la provisión de servicios en base a raza, color, religión, sexo, discapacidad, estatus familiar o nacionalidad de origen.

Home Efficiency Loan Program

Low Cost Financing

Receive low-cost financing for energy efficiency, solar PV and water conservation loans – and conveniently repay the loan on your monthly utility bill.


Fort Collins Utilities residential electric customers are eligible for energy and solar loans, while water customers are eligible for water conservation loans. Rental properties are eligible if the owner applies.

Project types:

  • HVAC (furnace, A/C, whole house fan, water heater, etc)
  • Insulation and air sealing
  • Windows
  • Solar PV
  • Water service line repair or replacement

Get Started

Read the loan details and apply through Energy Smart Partners. For most applications, a selected bid for the cost of the work must be included. For energy efficiency upgrades, you must follow the steps of the Home Efficiency Program.


Loans range from $1,000-$15,000 and can cover up to 100% of the project cost. A $25 application fee and $150 loan settlement fee applies.

Frequently Asked Questions

Rates and Loan Terms
Choose 5, 7 or 10 years
$1,000 - $15,000
Interest Rate*
5 or 6% fixed
$150 origination fee

*Rate may vary based upon qualifications, loan size and term.
APRs range from 5.22% to 12.98%.
Service may be discontinued for nonpayment of past-due accounts, including on-bill loan payments, in accordance with the municipal code.

Click 'Account Login' above to access online bill pay.

Air quality loans are available through Environmental Services.