cuGreenLoans (NJ Residents Only)

Increase your homes energy efficiency from LendKey’s New Jersey Community Lenders

0% and 4.99% rate options for eligible home owners.

Program A

0% up to $10,000

(7 year max term)

Program B

4.99% up to $15,000

(10 year max term)

Stress-Free Financing Is Here

​Partnering with the state of New Jersey, LendKey connects you with dedicated financing to help increase your homes comfort and decrease your energy bills.

Low Fixed Rate & Great Loan Terms

Get a great fixed rate loan for your NJ Energy Efficiency project from community lenders that prioritize people over profits. Rates as low as 0% and terms as long as 10 years power by LendKey’s network of local community lenders. Some projects are also eligible for rebates as high as $4,000. Click here for more information.

No Fees

Our community lenders don’t charge borrowers any origination or prepayment penalties for their home improvement loans.

Qualified Improvements are Eligible

Only certain Home Performance with ENERGY STAR eligible measures such as heating, cooling and air sealing are approved for the financing. Your contractor will help guide you through the process to help decided which measures are best for you. Please click here for more information.

NJ Contractor Partnership

Have peace of mind knowing that we partner with a NJ approved network of contractors. The state requires each contractor to complete a meticulous training and approval process before program approval. Please click here to find a contractor in your area.

NJ Program Process

To better understand your project qualifications, work directly with a local contractor to perform an energy audit on your home to see what upgrades best fit you. Properties with a minimum energy savings of 10% are eligible for the financing. Please click here for more information.

Help Improve the Environment

Participate in a program that not only helps decrease your energy bills, but also reduces your community’s carbon footprint.

4 Simple Steps to Get a cuGreenLoan

Click to view steps
Step Estimate: 1 Minutes

Increase the comfort of your home while decreasing your carbon footprint

cuGreenLoans is a cost financing solution provided by New Jersey Clean Energy Program’s Home Performance with Energy Star Program (HPwES) that helps New Jersey residents make improvement on their home while also making an improvement on the environment. Eligible homeowners participating in the cuGreenLoans program enjoy low cost financing through local not-for-profit credit unions. All projects must be completed using a HPwES participating contractor who is BPI accredited, and all improvement must be made with HPwES Program’s eligible measures.

Apply for 0% Program

Apply for 4.99% Program

Come Equipped With Better Financing Options

Becoming a HPwES participating contractor in the cuGreenLoans program is very beneficial and provides contractors with new business opportunities and favorable terms.

Contractors participating in New Jersey’s Home Performance with Energy Star meet the certification and accreditation guidelines of the Building Performance Institute (BPI), the industry’s resource for building science technology that sets the standards for assessing and improving the energy performance of homes.


Become a Participating Contractor

Low Rate Loans From Community Lenders

All loans on are funded by community lenders like credit unions and community banks. These financial institutions work with LendKey to keep operating costs low, and pass on the savings directly to you.

Unlike many larger banks that may take deposits in one state and lend in others, community banks and credit unions channel most of their loans to the neighborhoods where their depositors live and work, helping to keep local communities vibrant and growing.

About Community Lending

Frequently Asked Questions About the cuGreenLoans Program

All NJ residences who own their home and are the primary residences are eligible for the financing.

Single family homes and townhouses, and residential buildings of 2-4 units (individual living spaces) are eligible for the Home Performance with ENERGY STAR Program. A townhouse is a single-family dwelling unit constructed in groups of three or more attached units in which each unit extends from foundation to roof and with open space on at least two sides.

NO! There are no origination fees and no pre-payment penalties.

Rebate qualifications are set based on your projects total energy savings which will be reported to the state. Once your contractor has finished the work, has submitted all the necessary paperwork, and has passed a Home Performance quality control field inspection (if required), it will take about 120 days to receive your rebate. All rebates are processed directly by the state of New Jersey.

In order to qualify for incentives within the Home Performance with ENERGY STAR Program, work must be completed by one of the BPI accredited and certified contractors. Participating contractors have earned certification through the Building Performance Institute (BPI), a national resource for building science technology that sets standards for assessing and improving the energy performance of homes. A BPI accredited contractor is trained and skilled in building science technology.

New Jersey’s Clean Energy Program does not warrant the products or services of participating contractors.

The Home Performance with ENERGY STAR Program uses a whole-house approach to make homes of any size or style more energy efficient, increasing the home’s comfort, safety, and durability while lowering energy costs by up to 30 percent.

First, you contact an HPwES participating contractor(s) to perform a Home Assessment (audit) and make energy efficiency upgrade recommendations.
• You select a contractor and decide the upgrades you want to make to your home. The contractor will show you the HPwES Proposed Measures document, which will confirm the estimated total energy savings (TES) of your project and, therefore, the incentives you are eligible for.
• If you are interested in 0% financing, you apply for pre-approval.
• You sign:
o A contract with your contractor,
o A HPwES Customer Participation Agreement
• Once you have signed the above documents and your financing has been pre-approved, your contractor may begin work.
• When your work is complete, you will sign a Certificate of Completion.
• Your contractor then submits your final completion paperwork to the HPwES program.
• Your project may be selected for a field inspection.
• Lastly, your rebate will be processed (which can take up to 90 days) and your financing company will initiate your financing.

The assessment is the first step towards improving a home’s efficiency and reducing energy bills. During a basic assessment, the BPI accredited contractor will perform:
• Combustion Appliance Testing
o Diagnostic equipment is used to test the condition of your heating system, water heater, oven, etc.
o The testing results point to upgrade opportunities
• Visual inspection of the house
o Air sealing opportunities
o Insulation opportunities
o Possible health and safety issues, such as moisture and/or asbestos
The assessment may also include a blower door test, which measures and located air leakage in your house. Your contractor will then evaluate the results and explain to you what improvements can be made, as well as the cost of making the improvements.

The cost of the assessment varies from contractor to contractor. Contractors may charge different fees for services they provide, including the home assessment. Please discuss pricing with each contractor prior to having the home assessment completed. It is generally accepted practice to contact several contractors before selecting one. New Jersey’s Clean Energy Program does not warrant the products or services of participating contractors.

You are responsible for:
• Applying for 0% financing, if desired, with the guidance of your contractor
• Deciding the energy efficiency measures to install in your home, in consultation with your contractor.
• Signing required HPwES documents to be submitted by your contractor.
• Allowing a field inspection of your home, if deemed necessary.

Your contractor is responsible for:
• Providing a report after completing your home audit/assessment, including recommendations for
• Energy efficient upgrades
• Measures needed to ensure the health and safety of your home
• Submitting your signed contract and the HPwES Proposed Measures documents to your financing company for review before work may begin.
• Submitting all paperwork and making all required program software entries within the required timeframe. Projects that involve financing must be completed and paperwork submitted within 80 days of the date your contractor claims the funds for your project in the program software; you will need to ask your contractor for that date. Projects with no financing must be completed within 120 days of that claim date. If a project extension is needed, your contractor must make the appropriate entry in the program software and submit the Extension Request form signed by you.
• Submitting to the financing company the details of any changes made in the field to the original contracted work within 80 days of the claim date.
• Remedying any field inspection issues within the required timeframe of 30 days and submitting the required follow up Inspection Report to HPwES.

1 - Tax Deductible Interest Payments

The deduction is generally the smaller of $2,500 or the interest you paid in the calendar year. Please consult with a tax expert to understand if this option may be available to you.

2 - Cosigner Release

In order to qualify, the borrower, alone, must meet the lender's credit criteria, and the borrower's loan account must be and remain current up until the lender's decision to release the cosigner has been made.

3 - Autopay Rate Reduction

Subject to floor rate. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is cancelled, any increase will take the form of higher payments..