City and County of Denver - Elevations Energy Loans
Administered by Elevations Credit Union
You can finance energy efficiency and renewable energy improvements—from solar and heat pumps to insulation and windows—through a low-cost Elevations Energy Loan if you're in Denver, Boulder County, or Fort Collins. You'll work with an Energy Advisor who helps you assess your home, review contractor bids, and find all available incentives; you must choose from approved contractors, pay a $25 processing fee plus 1% of project costs, and become a credit union member. Contact the Denver Energy Challenge (720-865-5520 or denverenergy.org) or EnergySmart (info@energysmartyes.com) to start.
Elevations Energy Loans let your customers finance a broad range of efficiency and renewable upgrades with low-cost terms, expanding your addressable market in Denver, Boulder County, and Fort Collins. You must be on the program's qualified contractor list, and customers will work with an Energy Advisor throughout the process from assessment through project scheduling and incentive application.
Elevations Credit Union administers low-cost loans for residential and commercial energy projects across Denver, Boulder County, and Fort Collins, partnering with EnergySmart and Denver Energy Challenge to provide Energy Advisors for each borrower. All borrowers pay a $25 processing fee and 1% loan fee directed to Colorado's Residential Energy Upgrade Loan program; rates and terms vary by credit history and underwriting. The program targets homeowners and business owners seeking to finance solar, heat pumps, geothermal systems, insulation, windows, and appliance upgrades through a unified application and advisory service.
Program details
- Program ID
- 5307
- Last updated
- 8/27/2025
Eligibility
- Sectors
- commercial residential
- Technologies
- solar water heat solar photovoltaics biomass geothermal heat pumps clothes washers dishwasher refrigerators/freezers water heaters lighting furnaces boilers heat pumps air conditioners duct/air sealing building insulation windows doors motors food service equipment commercial refrigeration equipment
Program summary
The Elevations Energy Loan can be used to finance a wide variety of efficiency and renewable energy projects in homes and businesses. Homes and businesses located in Boulder County, Fort Collins, or the City and County of Denver are eligible for the low-cost financing. Loan applicants receive assistance from an Energy Advisor through EnergySmart and Denver Energy Challenge, respectively. Homeowners must select from a qualified pool of contractors. All borrowers will be required to pay a $25 processing fee and a fee equal to 1% of the project into the Colorado Residential Energy Upgrade Loan program, and become members of Elevations Credit Union.
Elevations Credit Union has partnered with Boulder County and the City/County of Denver to offer this full-suite of services. Both EnergySmart and the Denver Energy Challenge help residents and businesses identify, finance, and schedule energy improvements in their homes. The “One Stop Shop” provides an energy advisor to each participant. The advisor can assist with scheduling an energy assessment, reviewing contractor bids, and identifying and applying for all applicable incentives.
Rates, terms, and conditions are subject to change and may vary depending on each individual's credit history and underwriting factors. Residents and businesses in Boulder County can contact EnergySmart at info@energysmartyes.com or through their contact form for more information. Residents and businesses in the City and County of Denver can contact the Denver Energy Challenge at http://www.denverenergy.org or 720-865-5520 for more information. This video also provides additional information.
Contact & resources
- Contact email
- energyloans@elevationscu.com
- Additional resources
Please verify current program details with the administering agency before making any financial decisions.
