Special state-supported financing

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The KeystoneHELP program will be suspended as of 9 p.m. EDT on Friday, June 30, 2017.

At this time, applications may no longer be submitted online. Applications will be accepted by phone until 9 p.m. EDT on June 30, 2017. After that time, no new applications will be accepted.

In partnership with the state of Pennsylvania, Renew Financial offers KeystoneHELP home energy loans to help homeowners take advantage of thousands of money-saving efficiency upgrades. Financing is easy and approvals are fast.

Thousands of projects are eligible: Replace an outdated furnace, upgrade to energy efficient windows and doors, or even replace an older roof. Plus, up to 25% of the loan amount can be used for other home improvements.

KeystoneHELP is one the the longest running, most successful energy efficiency financing programs in the US, and we continue to lead the way in making home energy upgrades affordable for all Pennsylvanians.

Fixed monthly payments that never change

Many financing programs offer promotional or "teaser" interest rates that skyrocket if the loan balance is not paid off within the promotional period.

KeystoneHELP loans are fixed-rate loans that will never surprise you with rate hikes. The interest rate will never change, and KeystoneHELP offers longer terms than typical bank financing. You can pay it off or make additional principal payments at any time; there's no prepayment penalty.

Eligible Projects

Energy Efficiency

Upgrade to a new heating and cooling system, install new windows and doors, insulate your home, and more.

PDF icon See All Projects (239.91 KB)


  • Thank you! We are so happy to have an energy efficient affordable house.

    Jessica Griffin
  • Thank you for making our loan and installation possible.

    Jim & Becky
  • This is a great program with even better customer service, keep up the good work!

    April Ritter
  • Thank you for all the work and time you've put in, helping us get to the finish line on this house project.

    Judith & Janet




Who is eligible for a KeystoneHELP loan?

Homeowners in the state of Pennsylvania are eligible for KeystoneHELP. All income levels are eligible. Good credit and the ability to repay are required.

What types of properties are eligible for KeystoneHELP?

One- and two-unit, owner-occupied properties are eligible for KeystoneHELP. Mobile or manufactured homes are not eligible unless permanently affixed to the property. Loans must be taken out by the property owner.

What upgrades are eligible for a KeystoneHELP loan?

Thousands of energy products and improvements are eligible, including appliances, heating and cooling equipment, lighting, windows and doors, air sealing, insulation, and more. A full list of standard KeystoneHELP-eligible improvements is available here.

Can I pay off the loan early without penalty?

Yes. There is no penalty for pre-payment, so you may pay it off or make additional principal payments at any time.

How much money can I borrow?

The minimum amount that can be financed is $2,500. The maximum financing amount is $20,000.

Am I allowed to receive a rebate on home improvements being made?

Yes. Property owners are encouraged to pursue available Federal Investment Tax Credits (ITCs), utility rebates, and any other incentives. All or a portion of total incentives may be subtracted from the amount financed under the KeystoneHELP program; however, it is not required that the financed amount be reduced by the estimated value of the incentives. You can apply to receive a rebate, if available, on qualifying home upgrades through your utility or other programs. Incentives for qualifying equipment can be found by contacting your local utility.


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