Energy Efficient Loan Program
Wheelhouse has financed over 244 million kilowatt hours of clean energy.
The Benefits of Green Financing
Last chance to get a 30% federal tax credit and sell your extra energy with net metering. For tax advice and to determine eligibility for federal tax credits, consult a professional advisor.
Energy-efficient loans can help you save on electricity by financing a solar power system, home battery, and high-efficiency appliances. Plus, conserve water with a xeriscape yard.
Show our planet some love and support clean energy usage.
Solar Loans
Empower Your Home with Solar
We work directly with our valued partners and Preferred Licensed contractors throughout the state of California. Switching to solar is easy. With low rates and loans up to $80,000, our goal is that solar actually saves you money today and tomorrow.
Home Battery Energy System Loans
Store Your Energy, Save More Money
A Home Battery Storage System will allow you to never worry about when you might lose power. Store the solar energy you generate during the day and use it at night to shield yourself from grid rate increases. You can apply the federal solar tax credit savings to both your solar energy system and battery storage system. We work with over 100 renewable energy installers to make the process seamless for you.
Roofing and Insulation
Store Your Energy, Save More Money, Boosts Your Home’s Comfort and Value
Adding energy-efficient roofing and insulation to your home is an effective way to enhance energy savings and improve indoor comfort. Energy-efficient roofing reflects more sunlight, reducing heat absorption, while quality insulation helps maintain a consistent temperature by minimizing heat transfer. Together, these upgrades significantly lower heating and cooling costs, making your home more environmentally friendly and cost-efficient. Additionally, they can increase the lifespan of your HVAC system, reduce carbon emissions, and potentially qualify you for energy rebates or incentives.
Heating & Air Conditioning Loans
Energy-Efficient HVAC boost comfort and lowers utility bills
Financing heating and air conditioning systems allows you to enhance your home’s comfort and energy efficiency without the burden of a large upfront cost. By spreading the expense over manageable payments, you can invest in modern, high-efficiency HVAC systems that lower your utility bills and improve overall climate control. Upgrading to energy-efficient systems often results in additional rebates or incentives, further maximizing the financial benefits of your investment.
Energy Efficient Windows and Doors
Enhance Your Home’s Value and Comfort
Adding energy-efficient windows and doors to your home is a smart investment that enhances both comfort and savings. These upgrades help reduce heat loss during winter and minimize heat gain in summer, leading to lower energy bills year-round. By improving insulation and reducing drafts, energy-efficient windows and doors also contribute to a more consistent indoor climate, making your home more comfortable. Additionally, they boost your home’s value and can qualify you for rebates or tax incentives, making it an eco-friendly choice with long-term benefits.
Car Charging System Loans
Store Your Energy, Save More Money
Installing a car charging system at home offers unmatched convenience and efficiency for electric vehicle (EV) owners, easily and quickly power up your EV overnight, ensuring it’s ready for your daily commute. Eliminate the need for frequent trips to public charging stations but also provide a more reliable and consistent charge. We work with over 100 renewable energy installers to make the process seamless for you.
Xeriscape Landscaping Loans
Transform your yard and save water and money
Financing xeriscape landscaping for your home offers a practical and cost-effective way to enhance your outdoor space while conserving water. By spreading the cost over time, you can invest in drought-tolerant plants, efficient irrigation systems, and sustainable design features without a significant upfront expense. This not only helps reduce water bills and maintenance costs but also increases your home’s curb appeal and overall value.
Electrification of Home
Energy-efficient solutions for a sustainable future
Electrifying your home offers numerous benefits, from increased energy efficiency to cost savings and reduced carbon emissions. Heat pump HVAC systems and water heaters provide efficient climate control and hot water by using electricity instead of fossil fuels, often cutting energy bills significantly. Electric upgrades, including modern wiring, enhance safety and power capacity for new appliances. Induction cooktops offer faster, precise cooking with less wasted heat, while heat pump dryers use less energy than traditional models, lowering utility costs. Overall, home electrification is an eco-friendly, cost-effective solution for modern living.
LED Landscape Lighting
Enhance Your Home, Reduce Your Costs
LED landscape lighting uses less energy than traditional lighting, resulting in significant cost savings over time. LED lights consume up to 90% less energy than traditional incandescent bulbs, which can lead to lower electricity bills and a reduced carbon footprint.
Save 0.25% APR1 off your Energy-Efficient Loan
By opening an Inspired Checking account and setting up automatic loan payments from this new account, you can enjoy a 0.25% APR* discount on your eligible loan. This offer not only helps you save on interest costs but also simplifies your financial management by streamlining payments through one convenient account. This promotion applies to each eligible loan, making it a valuable opportunity to maximize your savings.
Applying for an Energy Efficient Loan is fast and easy.
Get approved in 3 steps.
Defining the scope of your home solar project involves determining your energy needs, budget, system size, and any necessary upgrades to your roof or electrical infrastructure.
Driver’s License or other form of government issued identification once the application process begins.
Paystub or Gross Monthly Income and your work address and telephone number
If you have a joint applicant, the information above will be needed for both.
Wheelhouse is Committed to Sustainability
Sustainability is rooted in our core values and we know that together we can significantly reduce our carbon footprint, lessen greenhouse gas emissions and decrease our dependence on fossil fuels. We support organizations in San Diego that are reducing climate change impact and improving the environment we live in.
Frequently Asked Questions
Everything you need to know about our Energy-Efficient Loan Program
You can finance a variety of energy-efficient home improvements, including heating and air conditioning (HVAC) systems, energy-efficient windows and doors, roofing, insulation, EV charging stations, LED lighting, water-efficient fixtures, rainwater harvesting equipment, and xeriscape landscaping.
Yes. A Wheelhouse Energy Efficient Loan can help you finance a high-efficiency heating and air conditioning system, allowing you to spread the cost over affordable monthly payments while improving home comfort and potentially lowering your energy bills.
Absolutely. Energy-efficient windows and doors help reduce heat transfer, improve indoor comfort, and may lower heating and cooling costs. Financing makes it easier to upgrade your home without a large upfront expense.
Energy-efficient upgrades can help reduce monthly utility costs, improve year-round comfort, increase your home's value, and lower your environmental impact. Financing allows you to make these improvements now while paying over time, making projects like insulation, roofing, HVAC, and EV charger installation more affordable.
Savings vary based on your home's energy usage, system size, utility rates, and available incentives. Many homeowners offset a significant portion of their monthly electric bill, making solar a smart long-term investment.
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Disclosures
10.25% loan rate discount is only available on new eligible loans and requires setting up automatic loan payments from an Inspired Checking account. One discount per qualifying loan.
Inspired Checking requires the following within 90 days of account opening: initial minimum deposit of $10, at least $450 in recurring monthly direct deposits, active digital banking registration, and enrollment in eStatements. If requirements are not met and maintained, the account will be converted to a Basic Checking account, which may be subject to different terms, conditions, and restrictions, and the auto pay discount will be removed. Contact a Team Member for further information.
*APR = Annual Percentage Rate. Rates effective as of 07/01/2026 and are subject to change without notice. Rates are based on creditworthiness. All loans subject to credit and collateral approval. Membership required.