Colorado Residential Energy Upgrade (RENU) Loan program
Administered by: Energy Smart Colorado
Quick Summary
The Colorado RENU Loan lets you finance up to $75,000 in home energy upgrades—like solar panels, heat pumps, insulation, and efficient windows—with no money down and fixed interest rates starting at 6.99%. You can spread repayment over up to 20 years with no prepayment penalties, and you typically get financing approval within several business days by working with a participating Colorado credit union.
AI-generated summary • Updated 7/12/2026
Program Details
- Program ID
- 5349
- Last Updated
- 11/24/2025
Eligibility
Program Summary
The Colorado RENU Loan is a statewide residential loan program sponsored by the Colorado Clean Energy Fund in partnership with Colorado-based credit unions. It makes home energy upgrades easy and affordable by offering low-cost, long-term financing for energy efficiency and renewable energy improvements. Loan TermsLow, fixed interest rates starting at 6.99% from Elevations Credit Union and at 7.74% from Westerra Credit UnionNo money down; finance up to 100% of project costLoan terms up to 15 years (or 20 years for solar PV)Loans up to $75,000No prepayment penaltiesEligible improvementsSolar PV & solar thermalSpace heating & cooling, including heat pumps and geothermal systemsBattery and thermal storageEV chargingInsulation & air sealingWater heatingWindows, doors, and skylightsCheck here for a full list of eligible improvements
Contact & Resources
Please verify current program details with the administering agency before making any financial decisions.