For door and window dealers serving Pennsylvania, officials for the National Energy Improvement Fund (NEIF) have announced that homeowners in that state can finance home energy upgrades through the state-supported Keystone Energy Efficiency Program (KEEP) Home Energy Loan for 4.99%.
Supported by the Pennsylvania Development Authority (PEDA)’s Energy Accelerator Program, the KEEP Home Energy Loan allows Pennsylvanians to reduce energy costs through door and window replacement, as well as improvements to heating and cooling systems, insulation, and other upgrades. The program is administered by NEIF, an Allentown-based Certified B Corp. lender and national expert in energy efficiency financing.
Implemented July 1, 2025, the KEEP Home Energy Loan’s reduced interest rates will be available for Pennsylvania homeowners to make efficiency upgrades that qualify for financing.
For applications received through September 30, 2025, or until allocated program funds are exhausted, available interest rates and terms will be 4.99% APR for 36 months, 6.99% for 60 months, and 7.99% for 120 months, with fixed rates and payments for the term of loans.
The KEEP Home Energy Loan is a simple-interest, fixed-rate installment program that provides financing for projects from $2,500 to $25,000. There is no lien on the borrower’s home and no penalty for pre-payment, NEIF officials report.
To qualify for financing, all work must be performed by a NEIF-Approved Contractor. Contractors not currently approved may apply to join the approved contractor network at neifund.org/become-approved-contractor. In addition to the KEEP Home Energy Loan in Pennsylvania NEIF-Approved Contractors are also eligible to offer NEIF’s national EnergyPlus programs for most types of residential and commercial energy improvements, as well as selected utility-supported programs in other states.