Financing · GoGreen Home

0% heat pump financing with GoGreen Home.

California's GoGreen Home Energy Financing program offers 0% APR loans to income-qualified homeowners in eligible communities who install a heat pump HVAC system or heat pump water heater. HVAC in LA is a GoGreen Home Energy Financing Qualified Contractor. Here's how it works, who qualifies, and how to apply.

📞 Call (818) 697-6699 Ask about GoGreen

Promo APR

0% up to 10 yrs

Project size

$5k–$30k

Down payment

None

What is GoGreen Home Energy Financing?

GoGreen Home Energy Financing is a State of California program that makes it easier to pay for energy upgrades over time. The state works with participating lenders, including USC Credit Union and California Coast Credit Union, to offer unsecured loans with no down payment, no closing costs, and no prepayment penalty.

HVAC in LA is a GoGreen Home Energy Financing Qualified Contractor, and we work with both USC Credit Union and California Coast Credit Union. We'll help you pick the right lender, line up your rebates, and get your project scheduled.

For heat pumps, the program currently runs a 0% heat pump promotion for income-qualified households in eligible communities. If you don't qualify for the promotion, a standard GoGreen loan is still one of the more affordable ways to finance a new system.

What GoGreen loans include

100% financing: no down payment required
No collateral, closing costs, or annual fees
No prepayment penalty: pay it off early any time
Fast decisions: often within 24 hours, with instant approval for qualified borrowers
Open to all California residents with an eligible property: single-family homes, 1–4 units, townhomes, condos, and manufactured homes

0% Heat Pump Promo

Promotional rates and terms

For income-qualified residents in eligible communities installing a heat pump HVAC system or heat pump water heater. Eligible project amounts: $5,000 to $30,000.

Loan term	Promo APR	Example payment
Up to 10 years	0%	$83.33/mo per $10,000 (120 payments)
10 to 15 years	2%	$64.35/mo per $10,000 (180 payments)

Based on the GoGreen Financing 0% Heat Pump Promo guide dated October 6, 2026. Rates, terms, and eligibility are set by the program and lender and may change. Confirm current terms with your lender before you apply.

How to get started

Qualify in four steps

Check the map

Search your project address on the GoGreen eligibility map and see if it falls in a solid or hatched color zone.

Check your income

The borrower's income should be $150,000 or less per year to be considered for the promotional rate.

Apply with a lender

Apply with USC Credit Union or California Coast Credit Union at a standard GoGreen rate. The lender confirms your income, then assigns the 0% or 2% promo rate.

Install your heat pump

As a GoGreen Qualified Contractor, we install your system. The lender pays us directly once the project is complete.

Standard GoGreen loans

Don't qualify for 0%? Standard rates

Standard GoGreen Home loans run from $5,000 to $50,000 ($75,000 with bundled solar and battery storage), with terms from 30 months to 20 years. Sample rates from California Coast Credit Union:

Term	APR, FICO 700+	APR, FICO 600–699
30 months	3.58%	5.08%
5 years	4.98%	6.48%
10 years	5.98%	7.48%
15 years	6.98%	8.48%
20 years (solar + battery bundle only, $25,000 min)	7.98%	9.48%

Rates from the California Coast Credit Union GoGreen Quick Start Guide (rev. 04/03/26). APR is subject to change without notice. USC Credit Union sets its own GoGreen rates; ask us and we will compare both lenders for your project. At least 70% of the loan must go to state-approved Eligible Energy Measures such as HVAC, heat pump water heaters, windows, and cool roofs; up to 30% can cover related home improvements.

Lower your net cost

Stack rebates with GoGreen

Finance only what's left after every incentive you qualify for. We handle the rebate paperwork for you.

SF Valley TECH TECH Clean California HEEHRA LADWP SCE

See all rebates → Other financing options →

Questions, answered

GoGreen FAQs

What is GoGreen Home Energy Financing?

GoGreen Home Energy Financing is a State of California program that helps homeowners finance energy upgrades like heat pumps, heat pump water heaters, windows, and cool roofs through participating lenders such as California Coast Credit Union and USC Credit Union. Loans require no down payment, no collateral, and have no prepayment penalty.

Who qualifies for the 0% GoGreen heat pump promotion?

The promotion is for income-qualified households in eligible communities. The program guide says the borrower's income should be $150,000 or less per year, the project address must fall in a solid or hatched zone on the program's eligibility map, and the project must include a heat pump HVAC system or heat pump water heater. You must also qualify for a loan with a participating lender.

What are the 0% and 2% promotional terms?

Loans with terms up to 10 years may qualify for 0% APR, and loans with terms of 10 to 15 years may qualify for 2% APR. Eligible project amounts are $5,000 to $30,000. A 10-year loan at 0% APR works out to 120 monthly payments of $83.33 per $10,000 borrowed. A 15-year loan at 2% APR works out to 180 monthly payments of $64.35 per $10,000 borrowed.

How do I apply for GoGreen financing?

Apply directly with a participating GoGreen Home lender. You apply at a standard GoGreen rate first, and the lender confirms your annual income before assigning the 0% or 2% promotional rate. HVAC in LA works with both USC Credit Union and California Coast Credit Union. Your contractor must be listed as a GoGreen Home Energy Financing Qualified Contractor as of the project start date, and HVAC in LA is one.

Can I combine GoGreen financing with rebates?

Yes. GoGreen financing covers what you owe on the project, and rebates like TECH Clean California, the San Fernando Valley TECH incentive, HEEHRA, LADWP, and SCE reduce the total. We help you line up the rebates so you finance as little as possible.

What if I don't qualify for the 0% promotion?

You can still use a standard GoGreen Home loan. Standard loans run from $5,000 to $50,000 ($75,000 with bundled solar and battery storage), with terms from 30 months to 20 years and no down payment. Rates depend on credit and term and are subject to change.

GoGreen Home is partially funded by the California Energy Commission's Equitable Building Decarbonization Program, part of California Climate Investments. HVAC in LA is not a lender. Loan approval, rates, and terms are determined by the participating lender.

Ready to get started?

Free in-home consultation with any new or replacement HVAC system, or any service / repair over $200. We answer the phone 24/7.

📞 Call (818) 697-6699 Request a quote