• Inclusive loan approval criteria. You may be eligible for a loan even with a less-than-perfect credit score.
• Big savings, small bill. The energy savings from your upgrades may offset much of the loan cost, so you could see little to no increase in your energy bill.

Yes. Eligible multifamily property types are attached side-by-side properties (such as a rowhome or townhouse), or a duplex, triplex or fourplex. The unit receiving the upgrade must be owner-occupied and use Avista gas services.

Energy Trust recommends getting at least three bids from contractors, but it is not a requirement to participate. To participate in Savings Within Reach, your contractor must be a trained Energy Trust trade ally contractor approved to offer Savings Within Reach. Approved contractors can be found using our Find a Contractor tool on our website. Energy Trust is also happy to send you three approved contractors if you would like.

On-Bill Loan Repayment is only currently available through select trade ally contractors who have been trained to offer this option. On-Bill Loan Repayment is only available to customers of Avista in Oregon.

If the cost of the project increases after work has started, you will need to sign updated loan documents with PSCCU and your contractor will need to resubmit the incentive form to Energy Trust once you have signed it. If the final project costs are less than the loan amount, PSCCU will lower your loan amount and adjust the payments.

All costs associated with the qualified energy upgrade are eligible to be included in the loan, up to your loan maximum.

We chose to work with PSCCU as a lender for this offer because they are a regional nonprofit lender dedicated to helping Pacific Northwest families save energy and protect the environment.

You will make the first payment directly to PSCCU after the lender has made the first 50% payment to you trade ally contractor. Once the work has been completed, you can expect to begin loan payments one to two bill cycles after the remaining funds are disbursed to your trade ally contractor.

This offer is only available for owners who live in their single-family home or qualifying multifamily residence that is an attached side-by-side until like a rowhome, or is a unit within a duplex, triplex or fourplex, because the property owner must approve all upgrades or changes to the residence in order to receive incentives and meet the required terms of the loan.

You will need to pay off the remaining balance of the loan at the time of the sale.

Income includes all gross wages, tips, rental income, public assistance, Social Security or pensions, income from self-employment, alimony, interest or any other sources of income as defined on the IRS income tax return for all members of the household.

Visit our financing webpage to find additional financing options. You can also talk with your bank or credit union to see if they offer loans for energy improvement projects.

Contact onbill@energytrust.org to learn more and find out more about our plans to make On-Bill Loan Repayment more broadly available in the future.

At this time Portland General Electric, Pacific Power, NW Natural and Cascade Natural Gas are not offering On-Bill Loan Repayment. Visit our financing webpage to find additional financing options. You can also talk with your bank or credit union to see if they offer loans for energy improvement projects.

NMLS stands for Nationwide Multistate Licensing System & Registry. It is a system used by most states to aggregate licensure information for financial services such as mortgage lending. For more information, visit the NMLS webpage.

For questions regarding your on-bill loan, you should contact PSCCU by phone at 1.800.273.1550 or by email at askus@psccu.org.