Smart-E Loan Program - Texas

Affordable financing for 40+ clean energy upgrades.

Low-Interest Financing | Fixed Monthly Payments | No Money Down | Easy Application

The Smart-E Loan can be used for over 40 home energy improvements, from insulation and energy-efficient windows to heat pumps and solar panels. 

Save money on energy bills, make your home more comfortable, and invest in your home with one simple loan.


Loan Terms* 5 years 7 years 10 years 12 – 15 – 20 years 
Maximum Rate** (APR) 6.49% 6.99% 6.99% 7.49% 

Loan Size & Qualifications*

> Loans of $500 – $50,000 

> 1 – 4 unit, owner-occupied residential properties 

> Flexible credit scores accepted 

* 15- and 20-year terms available. Lender participation may vary. Offered rates, terms, programs, and underwriting policies are subject to change without notice.  Please note that the interest rates shown here are available to borrowers with a satisfactory credit history. Other restrictions, terms, and conditions may apply. 

**All rates herein are expressed as an annual percentage rate (APR). 

How to Use Smart-E as a Homeowner

Step One: Find a Contractor

Participating Companies

Step two: Find a lender

Participating Lenders 

Priority Trust Credit Union / Greater Houston / Local: (713) 970-6200 / Toll-free: (800) 621-6752   

Priority Trust Credit Union

River City Federal Credit Union / Greater San Antonio / Local: (210) 225-0708 / Toll-free: (800) 644-4748   

River City Federal Credit Union

For Contractors

Explore our Contractor Resources for everything you need to apply to be a Smart-E contractor and offer Smart-E to your customers.

For more information contact us.  

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