This map shows the 110+ utilities in the United States that operate an on-bill financing program. Click the icons for links to learn more about each program.

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Rural electric cooperative
Public utility
Investor-owned utility
Video available


On-bill financing (OBF) allows ratepayers to borrow money for energy upgrades to their homes and repay the loans as part of their utility bills. The utilities (or partner organizations) provide the loans, and the upgrades can include energy efficiency retrofits or renewable energy installations.

EESI's On-Bill Financing Project is an ongoing initiative aimed at spreading the OBF model to help families reduce energy use, cut energy bills, and improve home comfort—all with no upfront costs.

Learn more at


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