GoGreen

0% Financing for Heat Pumps

Special offer for heat pump installations in qualifying California households

If you’re planning to install a heat pump water heater or heat pump HVAC system, you may qualify for 0% interest financing through the State of California’s GoGreen Home Energy Financing Program. Designed for qualifying households in designated Priority Populations communities, this offer makes upgrades accessible to the families who need it most.

Promotional Financing Details:

  • 0% APR for loan terms up to 10 years1
  • 2% APR for loan terms 10-15 years2
  • Maximum project amount: $30,000
  • No property liens or hidden fees

1 0% APR example (loans up to 10 years): A 120-month (10-year) loan has monthly payments of $83.33 per $10,000 borrowed.

2 2% APR example (loans from 10–15 years): A 180-month (15-year) loan has monthly payments of $64.35 per $10,000 borrowed.

Who qualifies for 0% loan terms?

You are eligible to apply for zero-interest financing if you meet all three of the following criteria: 

  • 1. Location

    On this California Climate Investments map, your home is located in a state-identified Priority Populations area denoted by a solid or hatched color zone. Start typing your address in the search bar. Wait until your address appears in the dropdown below, then double-click on it.

  • 2. Income

    The borrower’s income does not exceed $150,000 per year.

  • 3. Product

    You have selected a participating GoGreen heat pump water heater contractor or heat pump HVAC system contractor to install an eligible heat pump.

Apply with a participating GoGreen Home lender

Select one of the two lenders participating in this 0% promotion and follow their standard application process for a GoGreen Home loan for your heat pump water heater and/or heat pump HVAC. 
If you qualify for a loan, the lender will confirm your income prior to assigning the 0% or 2% promotional rate.


Apply to California Coast Credit Union

Available statewide

Apply to USC Credit Union

Available in Los Angeles and Orange Counties
Cartoon scene: a family and their dog watch as a green robot with a cap uses a laptop desktop setup in a living room with a plant and mug nearby.

GoGreen is your financing resource for other home energy projects

GoGreen Home works with credit unions across the state to offer low-interest loans to homeowners and renters for a wide range of energy-efficient upgrades. For financing with attractive interest rates, extended terms, and no property liens or hidden fees, check out GoGreen Home for your future projects.

Couple in front of a sold house with a solar-panel van and service trucks (Kitchens, Electric Co) parked on the street; a dog sits by the door.

This promotion is funded by the CA Energy Commission’s Equitable Building Decarbonization Program, part of California Climate Investments, a statewide initiative that puts billions of Cap-and-Trade dollars to work reducing greenhouse gas emissions, particularly in disadvantaged communities.