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On-Bill Repayment for Homeowners in Washington

Make energy-efficient upgrades with affordable financing repaid through your NW Natural bill

Homeowners in Washington can reduce upfront project costs with incentives and affordable financing solutions.

Energy Trust works with NW Natural and regional nonprofit lender Craft3 to offer an On-Bill Repayment option to help you complete home energy-efficiency upgrades. Qualifying customers may apply for a loan with affordable rates for their energy-efficiency home improvements that are eligible for Energy Trust incentives. Projects like furnace or window upgrades are some of the easiest ways to increase comfort, save energy and save money.

Get started by contacting an Energy Trust trade ally contractor trained to offer On-Bill Repayment.

Available in Washington
  1. Establish your eligibility.

    Read More >

    You must live in Washington and heat your home with gas provided by NW Natural. Additional requirements apply; check the Details tab for more information.

  2. Contact Energy Trust trade ally trained to provide On-Bill Repayment services in Washington.

    Your contractor will provide a bid for eligible upgrades.

  3. Fill out and sign the Energy Trust On-Bill Repayment incentive application provided by your contractor.

    Your contractor will submit this form to Energy Trust.

  4. Apply for the Craft3 loan.

  5. Sign your loan documents and begin your project.

    Upon incentive approval by Energy Trust and loan approval by Craft3, Craft3 will generate your loan documents, which can be signed electronically. Once your loan documents are signed and returned to Craft3, notify your contractor to begin work. You will receive communication from NW Natural when your loan repayment is active and you will begin seeing it on your energy bill.

In addition to the eligibility requirements listed in the Steps tab, you must reside in and own the home receiving the upgrades. The loan may only be used to cover the cost of materials and installation for the following projects that qualify for Energy Trust incentives:

Craft3 offers the following home energy-efficiency loan terms to qualifying NW Natural customers. There are no fees, extra costs or pre-payment penalties.

*Central air conditioners may be financed when installed with a qualified gas furnace. Qualifying gas furnace must account for at least 51% of loan amount for central air conditioner to be eligible for financing.

Loan Amount** $2,500–$15,000
Rate and APR4.99% (5.23% APR)
TermUp to 15 years
Loan FeeNone
Repayment MethodHome heating bill
Recording Fee$200
Example Payment Amount$10,000 loan at 5.23% APR
180 payments of $80.83/month

**Project eligibility is determined by Energy Trust. Loan terms are available for owner-occupied single family homes only. Loan availability, terms and conditions are current as of 1/1/21 and are subject to change without notice. Not all applicants will qualify. Craft3 is an equal opportunity lender, NMLS ID#390159. Visit to learn more or to apply online.

Contact one of our trained trade ally contractors or call Energy Trust at 1.866.368.7878 to take advantage of this financing option.

To learn more about this loan offer, visit Craft3’s webpage or call 1.888.231.2170.

Why choose On-Bill Repayment?

  • 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.

What if the project costs change once work begins?

If the cost of the project increases after work has started, you will need to sign updated loan documents with Craft3 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, Craft3 will lower your loan amount and adjust the payments.

Whom should I contact with questions about On-Bill Repayment?

For more information about qualifying projects, call us at 1.866.368.7878 for single-family home projects or 1.877.510.2130 for multifamily projects, or email us at

For more information about the loan, visit Craft3’s webpage or call 1.888.231.2170 ext. 225.

How long will it take for me to start making loan payments through my utility bill?

You can expect to begin loan payments one to two bill cycles after funds are disbursed to your trade ally contractor.

What happens if I sell my property?

You have the option of either paying the remaining balance of the loan or transferring the loan as a term of sale to the next homeowner. Loan transfers will require approval by Craft3 and fees may apply.

Why don’t renters qualify for this loan?

This offer is only available for owners who live in their single-family home or multifamily residence 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.

What other financing options are available to me if I don’t qualify for On-Bill 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.

I’m a contractor and I want to offer this financing option to my customers. What should I do?

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

I received a loan from Craft3 and completed a project using On-Bill Repayment. Whom should I contact if I have questions?

For questions regarding your on-bill loan you should contact Craft3 by phone at 1.888.231.2170 ext. 115 or by email at

What is the NMLS ID number?

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.


Give us a call at 1.866.368.7878 or send us an email at