Low-Interest Energy Loan Programs
Administered by: Office of Energy and Mineral Resources
Quick Summary
The Idaho State Energy Loan Program provides low-interest loans up to $40,000 to fund energy efficiency and renewable energy projects on your single-family home, with rates as low as 3% for 36 months. You must own your property (with deed documentation), pass a credit check, and use a licensed or registered Idaho contractor; applications are processed first come, first served with funding available through December 31, 2026. Eligible projects include insulation, HVAC upgrades, windows, weatherization, appliances, lighting, solar, wind, and geothermal systems—submit your application to the Idaho Governor's Office of Energy and Mineral Resources with the required forms and documentation.
AI-generated summary • Updated 7/12/2026
Program Details
- Program ID
- 207
- Last Updated
- 7/29/2025
Eligibility
Program Summary
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Note: The State Energy Loan Program is currently closed, but anticipated to reopen in Summer 2025.
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.
Contact & Resources
Please verify current program details with the administering agency before making any financial decisions.