Vancity Home Energy™ Loan: financing your smart choices

We salute your smart choice to make your home more energy efficient by offering no-nonsense, renovation financing with a Vancity Home Energy™ Loan*.

This personal loan is at a prime+1% rate¹ for up to 15 years. The low interest rate saves you money compared to a conventional loan. You can borrow as little as $3,500 or a maximum of $50,000. Then pay it back through flexible payments options.

To qualify, you need to make energy efficient upgrades to your home. If you are unsure of what those changes should be, we recommend the use of a Certified Energy Advisor who will provide you with a report showing the best ways to reduce your footprint and energy use.

Examples of upgrades that will reduce your energy demands and reduce your carbon footprint include:

  • Insulation
  • Space heating
  • Ventilation
  • Draft proofing
  • Hot Water Heating
  • Windows and doors
  • Solar panels (photovoltaic) for hot water or solar electric systems.

Savings you gain from these changes can be used to pay down your loan, saving you even more, or speak to us about how you can invest your savings to help build your wealth.

Apply now


We’re teaming up to power down with BC Hydro

Make energy-saving renovations to your home and leverage the BC Hydro Home Energy Rebate Offer. This program is run in partnership with Fortis BC, the benefits of the program are:

  • receive up to $6,350 in rebates on qualifying measures
  • increase your home’s re-sale value with an energy efficiency rating, which proves to buyers that your home is more energy efficient
  • invest in your home creates a more comfortable and healthier environment
  • reduce the energy usage of your home over the short and long-term
  • fight climate change and protect our environment.

Ready to learn more?

Please visit a Vancity branch or call 604-877-7000 for more information, or apply online for a Vancity Home Energy Loan.

If you are not yet a Vancity member, apply to become a member and take advantage of the Vancity Home Energy™ Rebate.



* Our normal lending criteria apply.
¹ The annual Percentage Rate (APR) is based on a loan of $5,000 with monthly payments and a 5 year term. APR assumes no fees apply. Rates subject to change without notice.
Vancity Home Energy™ is a trademark of Vancouver Savings Credit Union
BC Hydro trademarks are used with the permission of BC Hydro.