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  1. MEMBER BENEFITS
  2. ENERGY CENTER
  3. Energy Efficient Loan Program

Energy Efficient Loan Program

The HomePlus Energy Efficient Home Improvement Financing Program is designed to help encourage members to purchase and install energy-efficient home improvements. The loan program enables Southern Rivers Energy members to finance energy-efficient improvements at 7.9% APR*! The loans are made by Go Energy Financial, which has been serving electric cooperatives in Georgia for over 50 years.

Some of the eligible items consumers can finance:

  • Energy Star rated heating and cooling systems
  • Energy Star rated water heaters
  • Energy Star rated windows and doors
  • Insulation and ventilation for home attics, walls, crawl spaces, and basements
  • Weatherization items: weatherstripping, caulking, duct sealing, and insulation
  • Energy Star rated major home appliances: Refrigerators, freezers, stoves, dishwashers, clothes washers, etc. Excludes entertainment appliances
  • Energy Star rated roof systems

Energy Star requires that the complete heating/cooling system meets requirements. Not all replacement heat pump systems meet the Energy Star requirements. Please ask your contractor to adhere to the Energy Star requirements for HVAC systems.

The Energy Star Specifications for Air Conditioning/Heat Pumps are detailed here.

For a complete list of Energy Star rated systems go to EnergyStar.gov

Apply Now

go-energy_logo_full-color.jpg

What are the rates and available loan amounts?

Loan Amount Minimum Rate Term:

Loan Amount Minimum Rate Term
$500 -$3,000 7.9% APR1 Up to 24 months
$3,001 -$7,500 7.9% APR1 25 to 60 months
$7,501 -$25,000 6.5% APR1 61 to 84 months

Loan closing cost is $65.

Loan qualification is subject to assessment of individual credit worthiness and our underwriting standards. All Go Energy Financial loan programs, rates, forms, and conditions are subject to change at any time without notice. Subject to certain conditions, loan default rate may be 16.9% APR. Please speak to your Go Energy Financial loan representative for available term options.
How do I get started?

Call Josh Hendricks, your Energy Services Specialist at 770-358-1383 ext. 349 or email him at josh@srivers.net to discuss your project or apply now!

*Do not proceed with any work at your residence until you and your contractor have been approved.*

Who can borrow money?

Anyone who is a member of—and receives electric service from—Southern Rivers Energy. The home must be in the state of Georgia.

When and how can I apply?

First, decide on the improvements and the total amount you need to borrow, then complete the online application. Loans are generally approved by the Go Energy Financial within 48 hours upon receiving the completed application. You will be notified by phone by a Go Energy Financial representative. When your loan is approved and closed, you will become a member of the Go Energy Financial and will be able to take advantage of their full line of financial services.

How are loan funds disbursed?

Go Energy Financial issues checks made payable to you and your contractor at the time of closing. If multiple contractors are involved in the project, checks will be issued to each participating contractor.

How are loan payments made?

Your loan representative with Go Energy Financial will discuss repayment options that best fit your needs.

How do I select a contractor?

You select your own contractors but they must meet certain business criteria, supply business information and ENERGY STAR certification on improvements made to your residence before beginning work.

What if multiple contractors are involved in the project?

You will need to obtain all of their bids to determine the total funds you wish to borrow.

For example, you may determine you need $5,000 for a HVAC system, $4,000 for windows, and $1,000 for insulation. You should then apply for the total amount needed before moving forward with the project.

Apply Now
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©2023 Southern Rivers Energy. All Rights Reserved.

  • MY ACCOUNT
    • Pay My Bill
    • Bill Estimator Tool
    • Payment and Billing Options
    • Mobile App
    • Pay•Your•Way: Prepaid Option
    • Frequently Asked Questions
    • How To Read Your Statement
  • ENERGY SERVICES
    • RESIDENTIAL
      • Establish Service
      • Transfer or Disconnect Service
      • Outdoor Lighting
      • Rates and Fees
      • Solar and Generating My Own Electricity
      • New Member Packet
      • Right-of-Way Clearing
      • AMI Meters
    • COMMERCIAL
      • Establish Service
      • Transfer or Disconnect Service
      • Outdoor Lighting
      • Rates and Fees
      • Load Management
      • Consumer Choice
    • BUILDERS AND DEVELOPERS
      • New Construction
  • MEMBER BENEFITS
    • ENERGY CENTER
      • Energy Efficiency
      • Energy Efficient Loan Program
      • Rebates
      • Renewables & Green Power
      • Generac Generator Program
    • CO-OP CONNECTIONS CARD
      • Get Connected
    • FIBER NETWORK
      • Fiber-Optic Network
    • ENERGY TOOLS
      • Energy Resource Center
      • Touchstone Energy Savings
      • Home Energy Calculator
    • GRANTS
      • Operation Round Up
      • Bright Ideas Teacher Grants
    • STUDENTS AND EDUCATION
      • Scholarships
      • Request a Speaker
      • Jr. Solar Sprint
      • Green Power EMC’s Energy Education Program
      • Member Advisory Committee
      • Washington Youth Tour
      • Energy Explorers
  • MY COOPERATIVE
    • ABOUT US
      • The Southern Rivers Energy Story
      • The Cooperative Business Model
      • Co-op Leadership
      • Capital Credits
      • Annual Meeting
      • Careers
      • Contact Us
    • NEWS AND RESOURCES
      • Recent News
      • Media Inquiries
      • Awards & Achievements
      • Co-op Bylaws
    • MEMBER COMMUNICATIONS
      • Georgia Magazine
      • E-Newsletter Sign-up
      • Current Annual Report
  • STORM CENTER
    • OUTAGE
      • Outage Center
      • Restoration Process
      • Medical Priority
      • Outage FAQ
    • SAFETY
      • Preparation and Safety
      • Power Theft
      • Report a Scam
      • Tree Maintenance
      • Generator Safety
      • Call Before You Dig