South Jersey Gas - Residential Loan Program

South Jersey Gas offers 0% APR financing for up to 7 years (or 10 years if income-qualified) to cover high-efficiency furnaces, boilers, water heaters, and air sealing work, with monthly payments added to your gas bill and no fees or prepayment penalties. You must own the property, be listed on the deed, have the gas bill in your name, and maintain current payments; financing ranges from $2,500 to $25,000 depending on the improvement type. Apply online, by mail, or phone by contacting the SJG Residential Energy Efficiency Team at 1.201.690.7897 or SJGSaveEnergy@service.clearesult.com, and work only with a South Jersey Gas Participating Contractor.

This program finances customer upgrades to high-efficiency HVAC and water heating equipment through on-bill repayment, giving homeowners affordable financing without closing costs or collateral requirements, which increases customer interest in efficiency projects. You must be a South Jersey Gas Participating Contractor and ensure all installations meet the program's minimum efficiency standards—for example, upgrading from standard non-condensing to high-efficiency condensing furnaces or boilers—and help customers connect with the SJG team at 1.201.690.7897 or SJGSaveEnergy@service.clearesult.com to verify eligibility and financing amounts.

This unsecured on-bill repayment program finances eligible residential single-family and duplex improvements ($2,500–$25,000) at 0% APR for 7 years, or 10 years for income-qualified applicants in underserved communities or households meeting income thresholds (verified via tax returns, pay stubs, or benefit letters). Eligibility is determined by 12 months of South Jersey Gas utility payment history or general credit history, applicants must remain deed owners with the utility bill in their name throughout repayment, and the program is administered through Energy Finance Solutions with contractor certification ensuring minimum efficiency requirements are met.