What is the REEL program?

Get financing for residential energy efficiency projects

The Residential Energy Efficiency Loan (REEL) program was designed to help California homeowners and renters access affordable financing for energy efficiency projects.

Owners of any residential property are eligible for the REEL program, as are renters at the discretion of the lender and with the property owner’s permission. Customers may upgrade a single-family home, townhome, condo, duplex, triplex, fourplex or manufactured home. And, with REEL, renovations for up to four units can be bundled into the same loan.


Live more comfortably and efficiently.

Eligibility requires that the property receive electric or natural gas service from Pacific Gas and Electric Company (PG&E®), San Diego Gas & Electric Company (SDG&E®), Southern California Edison (SCE®) or Southern California Gas Company (SoCalGas®). For complete program rules and regulatory information, please reference the REEL Program Regulations+.

Reduce before you produce! The REEL program prioritizes energy reduction (through energy efficiency) over energy production. At this time, lenders are not offering solar loans through the REEL program.

With different lenders and loan options, there’s a REEL solution for your home improvement needs.

Program Benefits

  • No home equity needed
  • No lien on your property
  • Competitive rates
  • Affordable monthly payments
  • No closing costs
  • No origination fees
  • No prepayment penalties – pay off your loan early
  • 100% financing
  • Up to 30% of loan amount towards nonenergy improvements
  • Available to a wide range of credit scores and incomes
  • Broad list of energy efficiency projects to choose from
  • Reduce project cost with investor-owned utility rebates/incentives

Some Brands We Work With

We are proud to work with many of the top manufacturers in construction industry.