ZILCH Loans
Zero-interest Loans for Conservation Help
You won't pay a cent of interest when you apply (PDF 234KB) for financing for the following home-improvement projects:
Type of improvement
|
Max % project cost financed
|
Loan Amount
|
Fort Collins Utilities customer account
|
Other requirements
|
Building permit required?
|
|
Min.
|
Max.
|
|
ENERGY CONSERVATION LOANS
|
Fort Collins Utilities
(970) 221-6394
|
|
Electric demand controller
|
80%
|
500
|
1,000
|
Electric
|
Not on Hot Shot
|
yes
|
|
Insulation, air sealing
|
80%
|
250
|
750
|
Electric
|
None
|
no
|
|
Insulation, air sealing
|
80%
|
751
|
2,300
|
Electric
|
10-yr payback (ENERGY SCORE)
|
yes
|
|
Solar space heating or water heating
|
80%
|
500
|
2,300
|
Electric
|
10-yr payback (ENERGY SCORE)
|
yes
|
|
Space heating – electric-to-electric efficiency upgrade
|
80%
|
500
|
2,300
|
Electric
|
10-yr payback (ENERGY SCORE)
|
yes
|
|
Space heating or water heating – electric-to-gas conversion
|
80%
|
500
|
2,300
|
Electric
|
10-yr payback (ENERGY SCORE)
|
yes
|
|
Space heating – gas-to-gas efficiency upgrade
|
80%
|
250
|
2,300
|
Water, Electric or Wastewater
|
10-yr payback (ENERGY SCORE)
|
yes
|
|
Water heating – gas-to-gas efficiency upgrade
|
80%
|
250
|
700
|
Water, Electric or Wastewater
|
10-yr payback (ENERGY SCORE)
|
no
|
|
Whole house evaporative cooler
|
80%
|
500
|
2,300
|
Electric
|
No central A/C, winter cover; roof inspection
|
yes
|
|
Whole house fan
|
80%
|
250
|
600
|
Electric
|
No central A/C, sufficient attic venting, winter cover
|
yes
|
|
Window or door upgrades
|
80%
|
250
|
2,300
|
Electric
|
10-yr payback (ENERGY SCORE)
|
yes
|
|
Type of improvement
|
Max % project cost financed
|
Loan Amount
|
Fort Collins Utilities customer account
|
Other requirements
|
Building permit required?
|
|
Min.
|
Max.
|
|
Water CONSERVATION LOANS
|
Fort Collins Utilities
(970) 221-6394
|
|
High-efficiency clothes washer
|
80%
|
500
|
1,000
|
Water or Electric
|
Washer must be Energy Star qualified
|
no
|
|
Water service line – between curb stop & shut-off valve
|
100%
|
500
|
2,300
|
Water
|
Verification of leak
|
yes
|
|
Air quality LOANS
|
Natural Resources Department
(970) 221-6600
|
|
Radon mitigation
|
95%
|
250
|
1,500
|
Water, Electric or Wastewater
|
Radon test results of 4 Pico curies or higher
|
no
|
|
Wood stove upgrade to certified wood stove
|
80%
|
250
|
2,300
|
Water, Electric or Wastewater
|
Proof of old stove recycling
|
yes
|
|
Wood stove upgrade to pellet stove
|
85%
|
250
|
2,300
|
Water, Electric or Wastewater
|
Proof of old stove recycling
|
yes
|
|
Wood stove upgrade to gas stove
|
90%
|
250
|
2,300
|
Water, Electric or Wastewater
|
Proof of old stove recycling
|
yes
|
|
Wood fireplace to gas insert
|
90%
|
250
|
2,300
|
Water, Electric or Wastewater
|
Proof of old stove disposal/recycling
|
yes
|
|
Wood stove removal
|
95%
|
250
|
500
|
Water, Electric or Wastewater
|
Proof of old stove recycling
|
yes
|
Printable version of project table (PDF 1.1MB)
- Complete application (PDF 126KB) and return to Utilities.
Eligibility/Loan Amount/Repayment Schedule
All residential electric or water customers who own and occupy the home where the improvement is to be made are eligible. Rental homes are eligible for water service line replacement.
Projects can be combined. The maximum loan amount is $2,300.
- $25 loan-processing fee;
- a portion of the project cost; and
- cost of a building permit, radon test or ENERGY SCORE, if applicable.
- $500-$1,000: 24 months
- $1,500: 36 months
- $2,000: 48 months
- $2,300: 60 months
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