GoGreen Loan

Helping Californians Go Green.

From solar and battery storage to energy-efficient appliances, we make it easy to upgrade your home with smart, affordable financing. As a participating lender in California’s GoGreen Home Energy Financing Program, we’re here to help you get started.

GoGreen Loan Benefits:

  • Unsecured loans up to $50,000 and up to $75,000 available for Solar + Battery Storage projects
  • Terms up to 15 years (or 20 years for Solar + Battery Storage)
  • Competitive rates and affordable payments
  • Financing available for renters and homeowners
  • No money down, no closing costs and no prepayment penalties
  • Borrowers with a wide range of credit scores may qualify
  • Use up to 30% of loan amount toward non-energy-efficiency improvements
  • No property lien

Eligibility Requirements for USC Credit Union Financing:

  • Qualify for USC Credit Union membership
  • Property must receive electric and/or natural gas from PG&E, SDG&E, SCE, SoCalGas, or City of Palo Alto Utilities. Customers who receive electricity from publicly owned utilities (POUs) are eligible as well and may finance most measures.
  • Property is a single-family home, townhome, condo, duplex, triplex, fourplex or manufactured home.
  • Both property owners and tenants (with written permission from the owner) may qualify.

Peace of Mind Protection. You can’t control everything in life – but you can help protect your finances with Peace of Mind Protection. Cancel your loan balance or payments in the event of involuntary unemployment, disability, or death. Coverage is customizable and voluntary, and it’s simple to apply.

All upgrades must be completed by trusted contractors from the State of California’s vetted network.

Discover what you can build, explore your project possibilities now.

Here are some of the things you can do with our Energy Efficient GoGreen Loan:

Appliances account for 20% of the average home’s electric bill, so efficiency is important. Boost it by financing upgrades through GoGreen Home. Note: Financing for convection electric ovens only available for customers who receive electricity from PG&E, SCE, or SDG&E.
Harness the power of the sun to fuel your home when you need it most with a bundled solar + battery storage system. Or boost the energy-saving potential of your existing solar panels by adding battery storage.
Upgrade to a cool roof that reflects sunlight and disperses heat, making your home more comfortable and energy-efficient. Note: Financing available only for customers who receive electricity from PG&E, SCE or SDG&E.
Install an EV charger at home to power your vehicle at your convenience. EV charging stations not only save you from having to search for public charging stations, they can also charge your EV overnight when energy tends to be cheaper.
Want to save on energy bills? Old heating and cooling systems are energy bandits, costing almost half a home’s total usage. Trade in your outdated HVAC for an energy-saving alternative. Note: Financing for central air conditioning units, ECM furnace fans, evaporative cooling, fan or motor controls, and mini split ductless air conditioning units only available for customers who receive electricity from PG&E, SCE, or SDG&E. 
By improving air sealing and insulation, you can say goodbye to pesky drafts in your home.
Did you know that inefficient lighting can cost you about $225 extra per year, or that lighting alone makes up 15% of your home’s electricity use? Time to switch to energy-efficient bulbs.
Pool products use more of your home’s energy than you think. In fact, your pool pump could be your home’s second-largest energy user. Choose energy-efficient pool products to reduce energy usage.
Replace your old water heater with a new, high-efficiency Energy Star® certified model.
Upgrade your windows to keep your home comfortable year-round. Stay warm in the winter and cool in the summer.
Use at least 70% of your loan for eligible projects and related costs, and the rest can be used for other home improvements.

GoGreen Loan

Rates accurate as of 8/20/2025
All rates and terms subject to change without notice.

GoGreen Loan Rates
TermFinancing APR* as low as:
1-5 years3.74%
6 – 10 years4.24%
11 – 15 years5.24%
16 – 20 years6.74%

*APR (Annual Percentage Rate) is effective as of 8.21.2025 and is based on creditworthiness, underwriting criteria, and participation in qualifying discount programs. The lowest advertised rate of 3.74% APR includes the 0.25% discount for automatic loan payments¹ from a qualifying USC Credit Union checking account.

Additional stackable discounts include:

  • 0.125% discount for verified renters²
  • 0.125% discount for applicants whose residential address and project location qualify as a Low-Income and Disadvantaged Community (LIDAC)³
  • To receive the 3.49% APR, at least 70% of the project cost must be for measures eligible under California’s GoGreen Home Energy Financing program⁴

¹To qualify for the automatic payment discount, borrower must set up recurring loan payments from an active USC Credit Union checking account.

²To qualify for the renter discount, applicant must not be a homeowner and must provide proof of current rental agreement or lease. Discount is not available to homeowners.

³LIDAC eligibility is determined based on project location and borrower’s residential address, according to State of California definitions. Visit the Eligibility Mapping Tool to check your property’s designation. ⁵ Project eligibility under GoGreen is determined based on utility provider. Projects must use eligible energy efficiency measures (EEMs) listed in the official GoGreen EEMs List, available at: https://www.gogreenfinancing.com/energy-efficiency-home-loans-california/eligible-financing-projects/gogreenfinancing.com/homemeasures

⁴A valid purchase order or contractor invoice is required to verify project scope before loan funding. Applicant may be required to be a customer of a participating utility provider. See GoGreen Financing for utility exceptions and full program details.

Only new solar panel installations, including battery bundles, are eligible. Replacement of existing panels does not qualify.

This is an unsecured loan product and is not associated with any mortgage or home loan.

All credit union loan programs, rates, terms, and conditions are subject to change without notice. Final rate is determined at loan approval and may vary based on credit, loan term, and project eligibility.

Example: Monthly payment per $1,000 borrowed at 3.74% APR over 12 months is $85.03. This example is for illustration purposes only. Actual payment may vary.

Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility

Clean energy. Low fixed rates.

Finance solar panels and energy-efficient upgrades with a competitive-rate loan from USC Credit Union, a proud participating lender in the GoGreen Home Energy Financing Program.

I like the personalized service from USC Credit Union. Also like that you don’t get charged all the fees that regular banks charge.

-Betty Jo

  • Home Equity

    Cash in on the equity you’ve built up. Choose from two affordable options: a home equity line of credit (HELOC) or a fixed-rate home equity loan.

  • Home Refinancing

    Don’t just live in your home – thrive in it. Give your mortgage a second chance and save money by refinancing for a lower rate and more favorable terms.

  • Personal Loans

    Pay for the unexpected, consolidate debt, pay for home improvements, or make a major purchase with one of our affordable Personal Loan options.

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      *GoGreen Loan Disclosure

      APR (Annual Percentage Rate) is effective as of 8.21.2025 and is based on creditworthiness, underwriting criteria, and participation in qualifying discount programs. The lowest advertised rate of 3.74% APR includes the following stackable discounts:

      • 0.25% discount for automatic loan payments from a qualifying USC Credit Union checking account2

      Additional discounts available include:

      • 0.125% discount for verified renters3
      • 0.125% discount for applicants whose residential address and project location qualify as a Low-Income and Disadvantaged Community (LIDAC)4

      To receive the 3.74% APR, at least 70% of the project cost must be for measures eligible under California’s GoGreen Home Energy Financing program.

      To qualify for the automatic payment discount, borrower must set up recurring loan payments from an active USC Credit Union checking account.5

      2To qualify for the renter discount, applicant must not be a homeowner and must provide proof of current rental agreement or lease. Discount is not available to homeowners.

      3LIDAC eligibility is determined based on project location and borrower’s residential address, according to State of California definitions. Visit the Eligibility Mapping Tool to check your property’s designation.

      4Project eligibility under GoGreen is determined based on utility provider. Projects must use eligible energy efficiency measures (EEMs) listed in the official GoGreen EEMs List, available at: www.gogreenfinancing.com/energy-efficiency-home-loans-california/eligible-financing-projects/gogreenfinancing.com/homemeasures 

      5A valid purchase order or contractor invoice is required to verify project scope before loan funding. Applicant may be required to be a customer of a participating utility provider. See GoGreen Financing for utility exceptions and full program details.

      Only new solar panel installations, including battery bundles, are eligible. Replacement of existing panels does not qualify.

      This is an unsecured loan product and is not associated with any mortgage or home loan.

      All credit union loan programs, rates, terms, and conditions are subject to change without notice. Final rate is determined at loan approval and may vary based on credit, loan term, and project eligibility.

      Example: Monthly payment per $1,000 borrowed at 3.74% APR over 12 months is $85.03. This example is for illustration purposes only. Actual payment may vary.

      Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility.