Energy Efficiency and Renewable Energy Loans

Finance improvements to help make your home more comfortable.

Take advantage of Cobb EMC’s Energy Efficiency Loan and get more value from your energy dollars. Invest in energy-efficient improvements now and reap the benefits of a more comfortable home, plus money and energy savings for years to come. Cobb EMC and Go Energy Credit Union have partnered to offer you a fast and economical way to finance energy efficient home improvements. Apply today or call 770-429-2111 for more information.

Step 1

Select an energy efficient, qualified improvement.

Step 2

Obtain an estimate from an approved contractor.

Step 3

Apply for a loan.

Step 4

Once approved, perform work at home.

Step 5

Cobb EMC verifies work and you sign the loan paperwork.

Step 6

Once loan closes, Go Energy Financial sets up payments for loan.

  • Weatherization/infiltration
  • Floor/wall/attic insulation
  • Envelope sealing
  • ENERGY STAR certified windows and doors  
  • ENERGY STAR certified heating and cooling equipment
  • Split system Air source heat pumps must be 14.5 SEER or more, package systems 14 SEER or greater.
  • Air conditioners, split systems 14.5 SEER or greater, package 14 SEER or greater
  • Furnace efficiency level must be 90% AFUE or greater.
  • Duct sealing
  • Duct insulation
  • ENERGY STAR certified metal or shingled roofing
  • Water heating
  • Heat pump water heaters (GE/Rheem)
  • Solar water heating systems (System must be certified by the Solar Rating and Certification Corporation.)
  • Solar PV systems

Subject to good credit history, inspection and approval of a Cobb EMC representative.

  • Receive electric service from Cobb EMC
  • Good credit history
  • Proof of income
  • A site-built home (not a manufactured home)
  • Energy-efficient improvements only
  • Improvements must be completed by a Cobb EMC approved contractor
  • All materials must be ENERGY STAR certified
  • All improvements will be verified by a Cobb EMC representative before the check is presented
  Loan Amount
   Rate
  Terms

  $500 - $3,000

  9.90% APR1

  Up to 36 months

  $3,001 - $7,500

  9.90% APR1

  36 to 60 months

  $7,501 - $25,0002

  9.90% APR1

  61 to 96 months

1 APR:  Annual Percentage Rate. 

Loan closing cost is $65.

Loan qualification is subject to assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, forms and conditions are subject to change at any time without notice. Subject to certain conditions. Please contact a Go Energy Financial loan representative for available term options. 

2 Using collateral under Article 9, Uniform Commercial Code, which generally applies to any transaction intended to create a security interest in property improvements or fixtures and not the real estate.

No. All loans up to $7,500 will be unsecured. Any loan over $7,501 will be secured by the energy efficient improvement, not the property.

Determine the ENERGY STAR certified improvements you want to make to your home and obtain an estimate from one of Cobb EMC's approved contractors. Then complete a simple Go Energy Financial online loan application. 

Loans are generally approved by the Credit Union within 24-48 hours upon receiving the completed application. Please do not proceed with your home improvements until you have received confirmation from Go Energy Financial.

After you've been approved, you have 60 days to complete and close the loan.

Once your home improvements have been completed, Cobb EMC will inspect the work. You will sign your loan documents and the check will be made payable to the contractor.

You will make payments for your loan directly to Go Energy Financial. At your loan closing, you will be set up for automatic payment withdrawals.