FL Loan Program

Lakeland Electric - Residential Energy Efficiency Loan Program

Administered by Lakeland Electric

AI summary · 7/12/2026

Lakeland Electric's zero-interest loan program lets you borrow $500–$5,000 to upgrade to solar panels, heat pumps, new windows, insulation, air sealing, or other efficiency improvements; you'll repay monthly after completion, plus a one-time filing fee (around $90.50 for a $5,000 loan). Apply through Lakeland Electric's residential programs.

This program expands your customer base by offering zero-interest financing for eligible energy upgrades including solar PV, geothermal heat pumps, solar water heaters, HVAC systems, heat pump water heaters, windows, and envelope sealing. Loans range from $500–$5,000 with monthly repayment, making high-efficiency retrofits more accessible to homeowners.

Lakeland Electric's loan program provides zero-interest financing ($500–$5,000 per borrower) for residential energy improvements; funds are repaid monthly after project completion and a one-time filing fee is charged. The program covers solar, heat pumps, water heaters, windows, insulation, and air sealing, targeting Lakeland Electric's residential customer base to increase energy efficiency adoption.

Program details

Program ID
22120
Last updated
1/2/2026

Eligibility

Sectors
residential
Technologies
solar water heat solar photovoltaics geothermal heat pumps water heaters duct/air sealing building insulation windows hvac

Program summary

Lakeland Electric offers a zero-interest loan program to its customers who wish to make energy efficiency upgrades. Eligible measures include windows, HVAC, heat pump water heaters, air sealing and insulation, solar PV, geothermal heat pumps, and solar water heater systems. The minimum loan amount is $500 and the maximum is $5,000. There is also a one-time filing fee that will be applied to a customer's utility bill. For a $5,000 loan, this fee has been around $90.50. Loans are repaid monthly after the project has been completed.

Contact & resources

Please verify current program details with the administering agency before making any financial decisions.

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