Elizabethtown Gas Residential On-Bill Repayment Program

Elizabethtown Gas

The Elizabethtown Gas (ETG) On-Bill Repayment Programs provides 0% APR financing, making it easier for you to increase your comfort by installing eligible energy-efficient equipment in your home. 0% APR financing is available for up to 7 years, or up to 10 years for income-qualified customers, when you upgrade to high efficiency equipment.

Benefits include:

  • Enhanced home comfort
  • Convenience - monthly payments included right on the natural gas bill
  • Increase efficiency of your home’s energy usage

IMPORTANT: All applicants must be owners of the property and listed on the deed. At least one applicant must be listed on the utility bill. If these requirements are not fulfilled, the ETG On-Bill Repayment application will be denied. Additional owners on the deed or utility bill do not need to be borrowers on the application.

How can I qualify?

  • The ETG On-Bill Repayment Program applicant must be the property owner and listed on the deed.
  • Gas utility bill must be, and remain, in the property owner’s name until the ETG On-Bill Repayment Program total is paid in full.
  • Eligibility for the ETG On-Bill Repayment Program is based in part on your utility bill payment history with Elizabethtown Gas, and requires you to submit a copy of a recent utility bill, showing the service address with gas and electric usage.
  • If you don’t have 12 months of utility history with Elizabethtown Gas, determination for the ETG On-Bill Repayment Program eligibility will be based on your general credit history. We will request a copy of your credit history as part of the Credit Application process.
  • If all or any part of the property or any interest in the property is sold or transferred without the gas utility’s prior written consent, the utility may require immediate payment in full of all money then owed under the on-bill repayment agreement.
  • If the utility account is closed for any reason, immediate payment in full of all money then owed under the on-bill repayment agreement may be required.

Which programs qualify for financing?

For the most up-to-date list of eligible improvements and maximum ETG On-Bill Repayment Program amounts per measure, visit the Elizabethtown Gas website. Financing is available for the ETG energy efficiency programs noted below:

Elizabethtown Gas’s Efficiency Programs Repayment Options
Repayment Options Maximum On-Bill Repayment Program Amount Maximum On-Bill Repayment Program Term
HVAC Upgrade Customers Up to $25,000. 7 years or 10 years for income eligible customers.
HVAC New Customers Up to $25,000. 7 years or 10 years for income eligible customers
Whole Home Energy Solutions Up to $25,000. 7 years for projects under $10,000, 10 years for projects between $10,000 - $25,000. 10 years for income eligible customers.

You will need to work with an Elizabethtown Gas Participating Contractor to ensure all improvements installed meet minimum efficiency requirements to be eligible for financing. This list provides you with the efficiency requirements of the major equipment eligible for financing.

Please contact the ETG Residential Energy Efficiency Team at 1.201.690.7896 or email ETGSaveEnergy@service.clearesult.com for eligibility.

How do I find an approved contractor?

All installations must be completed by an Elizabethtown Gas Participating Contractor. We can help you find an ETG Participating Contractor by county or installation type using our contractor search tool.

The fine print

If you qualify for the ETG On-Bill Repayment Program, you’ll enjoy 0% APR financing for the life of the ETG On-Bill Repayment Program and no penalty for early ETG On-Bill Repayment Program payoff.

Eligible Properties: Residential single-family and duplex homes.

Improvement Requirement: Upgrading from a standard-efficiency non-condensing furnace or boiler to a high-efficiency condensing furnace or boiler.

On-Bill Repayment Type: Unsecured. No collateral required. There are no fees, points, or closing costs.

On-Bill Repayment Amount: $2,500 - $25,000, dependent on the type of improvements installed.

On-Bill Repayment Rate: Fixed at 0% APR.

Prepayment: On-Bill Repayment Program can be paid in full at any time with no penalty.

Calculate your costs

Let us help you understand how much your monthly payment will be. Use our calculator for a quick estimate before you apply.

Enter On-Bill Repayment Information:
Payment Information:

I'm ready to apply!

Please note the credit application is not a contract for on-bill repayment, nor does it lock you into any commitment with a contractor. The credit application will allow us to proceed with your request for on-bill repayment to finance your improvement(s). If additional information is needed, you will be notified of the specific documentation required to process your application.

There are three ways to apply:

  • Apply online - Applying online is the fastest way to receive a decision. Use the portal below to complete the online credit application.

  • Print the application - Download the credit application. Mail or fax the completed application to Energy Finance Solutions (EFS) at the address below.
  • Request an application packet by mail - Call 1.888.264.4367 if you would like us to mail you an application packet. Mail or fax your completed application to EFS at the address below.

Energy Finance Solutions
431 Catalyst Way
Madison, WI 53719

Fax: 608.249.5788