Low-Interest Energy Loan Programs

August 28, 2023


*Note: The 2023 application period closes on October 10, 2023.

The Idaho Governor's Office of Energy and Mineral Resources (OEMR) State Energy Loan Program offers low-interest loans to fund energy efficiency projects for single-family homes in Idaho. Qualified projects include insulation, lighting upgrades, windows, weatherization, HVAC, appliances, and renewable energy. See qualifying addendums on the State Energy Loan Program website for project and equipment requirements.

All loans are evaluated by a financial institution for credit worthiness and must be secured with real estate. Consumers may choose to leverage these loans by accessing utility incentives and federal and state tax credits and deductions. Loan amounts range from $1,000 to $30,000 on a first come, first served basis. Interest rates vary by term of loan, 3% for 36 months, 5% for 60 months, and 7% for 84 months. As of February 1, 2011, loan applicants will be charged a credit analysis fee of $100 incurred by the Idaho Governor's Office of Energy and Mineral Resources.

Program Overview

Implementing Sector: State
Category: Financial Incentive
State: Idaho
Incentive Type: Loan Program
Web Site: https://oemr.idaho.gov/loan-program/
Administrator: Office of Energy and Mineral Resources
Start Date:
Eligible Renewable/Other Technologies:
  • Solar Water Heat
  • Solar Space Heat
  • Geothermal Electric
  • Solar Photovoltaics
  • Wind (All)
  • Biomass
  • Hydroelectric
  • Geothermal Heat Pumps
  • Combined Heat & Power
  • Water Heaters
  • Lighting
  • Furnaces
  • Heat pumps
  • Air conditioners
  • Caulking/Weather-stripping
  • Duct/Air sealing
  • Building Insulation
  • Windows
  • Comprehensive Measures/Whole Building
  • Custom/Others pending approval
  • Other EE
  • Wind (Small)
  • Hydroelectric (Small)
  • Geothermal Direct-Use
Maximum Loan: $1,000 - $30,000
Loan Term: 3% interest with 36-month term
5% interest with 60-month term
7% interest with 84-month term


Name: Amanda Galvez
Organization: OEMR
Address: 304 N. 8th Street, Suite 250
Boise ID 83720
Phone: (208) 332-1660
Email: amanda.galvez@oer.idaho.gov

This information is sourced from DSIRE; the most comprehensive source of information on incentives and policies that support renewables and energy efficiency in the United States. Established in 1995, DSIRE is operated by the N.C. Clean Energy Technology Center at N.C. State University.