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Skip Navigation LinksLoan Program

SCI REMC has designed a loan program to assist its members in making their existing homes more efficient, comfortable, and affordable.


  • 6.0 % Interest Rate
  • Amounts ranging from $2,000 to $10,000
  • Payment periods ranging from 12 to 72 months
  • No penalty for early payoff
  • No interest or principle payment for the first six months (optional)
  • Offered only to SCI REMC members

Qualifying home improvements:

  • Approved heating & cooling systems
  • Insulation upgrades
  • Replacement thermal windows
  • Insulated doors
  • Emergency back-up generators (whole-house)
  • Solar water heating systems


  • All loans are secured against your property
  • Qualifying applicants must be members of SCI REMC and live in a stick built or modular home. (Mobile home owners may qualify if they own the lot where the mobile home is permanently set up.)
  • Loans are not available for energy efficiency projects completed prior to applying for the loan, the refinancing of completed work, or new construction.

Application Process:

  • Complete and return an Energy Efficiency Loan Application along with a copy of the contractor’s estimate, a copy of your property deed, and a $35 check to cover the processing fees. (The check will be returned if loan is denied.) A letter will be sent to you regarding the status of the application within 10 business days after receipt of the application.
  • After approval notification, the contractor may begin work.
  • Member must notify the REMC when the work has been completed so a representative can verify the completion of all work as stated in the contractor’s estimate.
  • After verification, a check will be issued jointly to both the member and the contractor.
  • Loan payments will be added to your account once the work has been completed and the check issued.