Platform · Eco Financing®
Turn the price your rebate leaves into a monthly payment.
A platform capability, not a lending product. Embedded at checkout beside your incentive, underwritten by lending partners, off your balance sheet — so the same rebate budget reaches the customers who otherwise walk away.
- 53%
- of U.S. adults can't cover a $1,000 unplanned expense
- $0
- program cost, on the lender's balance sheet
The purchase your rebate started, finished. Illustrative payment on $1,300 over 60 months; actual rates vary by lender, state and credit profile.
Why financing matters
Rebates lower the price. Financing drives participation.
For any program measuring completed installs per incentive dollar, that distinction is everything.
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53%
Of U.S. adults can’t cover a $1,000 unplanned expense
The typical price of an efficient appliance. When the old one fails, the cheapest unit in stock wins by default — unless the price can become a payment.
Bankrate 2026 Emergency Savings Report (YouGov, Dec 2025, n=2,564): 47% could cover a $1,000 emergency expense
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3–60
Months to repay, from 0% APR
Installment loans spread cost over a real term, where credit cards, BNPL and store financing do not — the difference between qualifying and walking away.
Eco Financing program terms
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#1
Reason customers choose Eco Financing
“Affordable monthly payments.” Customers optimise the payment, not the APR — which is why most pick the longest term available. Term beats rate.
Enervee post-purchase survey data
A different kind of financing
Built for participation, not profit.
For most retailers, financing is a profit center — which means high rates, tight credit requirements, and deferred-interest traps. Eco Financing isn't a profit center. It's built into the platform to remove barriers to program participation.
Typical retail financing
Designed to generate profit
- High APRs drive margin for the retailer
- Tight credit requirements protect profit
- Deferred-interest promotions with back-end penalties
- Short terms push payments higher
- Incentives favor the sale, not the customer
Designed to remove barriers
- Affordable rates, institutional pricing
- Accessible credit to broaden participation
- True installment loans — no deferred-interest traps
- Extended terms to keep monthly payments low
- Aligned with your program’s participation goals
How it works
A platform capability, not a lending product.
Eco Financing is a feature of the Enervee Marketplace Platform. Embedded at checkout, underwritten by institutional partners, off your balance sheet.
Embedded at checkout
Customers see monthly payment options alongside their cart total. No redirect. No separate application. Financing is part of the buying experience.
Off your balance sheet
Loans are underwritten and serviced by trusted institutional lending partners. No on-book credit exposure, no capital requirements, no servicing burden for your program.
True consumer loans
Installment loans with fixed monthly payments — purpose-built for larger purchases and longer terms than credit cards, BNPL, or store financing.
Accessible and fair
Risk-based pricing designed to reach the customers traditional retail financing misses. Pre-qualification with no impact to credit score.
Customers optimise the payment, not the rate — most pick the longest term. No cost to the program at any term shown.
Pre-qualify with no impact to your credit score
What shoppers see at checkout — monthly payment beside the cart total, no redirect, no separate application. Try the amount and term. Illustrative APR; actual rates vary by lender, state and credit profile.
Why Eco Financing
Lower cost. Better terms. Designed for the customer.
Retail financing is built to maximize profit. Eco Financing is built to maximize participation. The difference shows up in every line below.
| Feature | Eco Financing | Credit card | BNPL | Store financing |
|---|---|---|---|---|
| Affordable long-term payments | Yes | — | — | — |
| Fixed, predictable payments | Yes | Variable | Short term | Varies |
| No deferred-interest trap | Yes | — | Yes | — |
| Extended loan terms | Yes | — | — | Limited |
| Accessible credit | Yes | Varies | Limited | Varies |
What it changes
Same rebate budget. More completed installs.
Financing never replaces the incentive. It lets more customers act on the price the incentive leaves — which shows up as conversion, order value and reach.
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4 in 5
Financed buyers would have bought less efficient, or not at all
Only 20% of borrowers would have matched that efficiency without financing. This is the clearest available statement of what the payment option adds to the program.
CPUC GoGreen Home impact evaluation, 2024
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↑ AOV
Higher average order value
Customers with financing choose higher-efficiency products — more kWh and therm savings per transaction from the same incentive.
NYSERDA NY Marketplace final report, 2024
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Income-qualified programs →
Reach
The same mechanism is how income-qualified programs hit their participation targets.
Two state evaluations measured who financing reaches. That evidence lives on the program page.
For utilities and state programs
Add financing to your program.
Embedded at checkout. Off your balance sheet. Talk to us about Eco Financing for your utility or state program.
For borrowers
Eco Financing by Enervee
Consumer financing for energy-efficient appliances, embedded at checkout on participating utility marketplaces.
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New to Eco Financing?
Eco Financing is available at checkout on participating utility marketplaces. Find your local marketplace to browse efficient products and see available financing options.
Find your marketplace → -
Existing borrower?
Access statements, make payments, and get support from your loan servicer.
Manage your loan →Eco Financing customer support · (888) 291-0347 · support@ecofinancing.com · Mon–Fri, 9:00 AM – 6:00 PM PT