Smart Energy Loan Program

The City of Plano established this loan program through the Department of Energy, in conjunction with the American Recovery and Reinvestment Act. This fund supports affordable energy efficiency loans to Plano homeowners. In partnership with Credit Union of Texas, the City provides homeowners with a variety of financing options for energy efficiency upgrades. In addition, this loan program will continue to offer future loans as existing loans are paid off, which will benefit up to 1,356 residential projects estimated at $7 million in value over the next ten years.

Smart Energy Loan Program Suspended as of August 31, 2016

  • Effective 08/31/16, the Smart Energy Loan Program is suspended and under reconstruction. No new applications will be accepted.
  • We have recently been made aware of solicitors pitching free energy audits for the Smart Energy Loan Program. These solicitors are not affiliated with the City of Plano. An approved list of auditors and contractors will be made available to program participants upon reinstatement of the program. Our approved auditors do not solicit door to door.


  • Due to Department of Energy and EECGB Template Guidelines, no pre-completed project can be funded through the Smart Energy Loan Program. All loan projects must be approved through the City of Plano and Credit Union of Texas prior to a Project Eligibility Letter issued for work to begin. Projects already completed are ineligible for this program.

To be eligible you must:

  • Live in an owner-occupied home in Plano
  • Hold title to the property with no voluntary liens
  • Be current on your mortgage and property taxes
  • Be a U.S. citizen or Legal Resident Alien
  • Have no bankruptcy or foreclosure in the past three years
  • Complete all required program agreement documents and/or surveys

You could reduce your home energy bills, improve the comfort level in your home, take comfort by knowing your home is safe and healthy by correcting pre-existing conditions, increase the longevity of your home, enhance the market value and decrease your home's carbon footprint.