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The On-Bill Financing program allows you to finance energy improvements to your home through a charge on your utility bill. Your repayment amount will be based on projected savings on your energy bills.
On Bill Financing » Central Hudson » On Bill Financing

Central Hudson customers who borrow qualified low-interest loans to make energy efficiency improvements to their homes can repay those investments via their utility bills under a new program offered by the New York State Energy Research & Development Authority (NYSERDA). The repayment amount will appear as a separate line item on the Central Hudson bill, and will be applied to the loans.

To qualify for the loans and on-bill financing, residents must first have a home energy audit performed by an accredited contractor, certified by the Building Performance Institute (BPI) and approved by NYSERDA. The contractor will provide an audit report that outlines energy efficiency recommendations, including estimated costs and payback times. If the energy audit indicates measures that would also qualify under Central Hudson’s energy efficiency programs, customers may also receive rebates associated with those improvements. Visit to learn about Central Hudson’s incentives, which include rebates of up to $600 on high efficiency heat pump and air conditioning systems, $600 on home sealing and up to $700 on replacement natural gas heating systems.

Both homeowners and owners of buildings with 1 to 4 residential rental units may participate, and applicants must meet NYSERDA credit standards. A homeowner is eligible to finance up to $25,000 if the payback period for the energy efficiency investment is 15 years or less, and up to $13,000 if the payback period is longer.

The program will also soon be available for small businesses, not-for-profit organizations and multi-family buildings; details will be announced when they become available.

» SavingsCentral -- a Central Hudson web site created to provide customers with information about all of our energy efficiency rebate incentives as well as practical tips to help you save energy and save money.