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Incentives/Policies for Renewables & Efficiency

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Midwest Energy (Gas and Electric) - How$mart Energy Efficiency Finance Program   

Last DSIRE Review: 09/18/2012
Program Overview:
State: Kansas
Incentive Type: Utility Loan Program
Eligible Efficiency Technologies: Heat pumps, Central Air conditioners, Caulking/Weather-stripping, Duct/Air sealing, Building Insulation, Windows, Custom/Others pending approval, HVAC equipment and thermal shell improvements
Applicable Sectors: Commercial, Residential, Nonprofit, Local Government, State Government, Fed. Government, Multi-Family Residential, Must be a Midwest Energy Electricity or Gas Customer in Good Standing
Amount:not specified
Maximum Incentive:not specified
Terms:Residential Rate: 3.0%
Commercial Rate: 4.5%
Residential Repayment: up to 16 years
Commercial Repayment: up to 10 years
Web Site:

Midwest Energy offers its residential and small commercial electricity and natural gas customers in good standing a way to finance energy efficiency improvements on eligible properties. Under the How$mart on-bill financing program, the utility will pay the initial cost of making energy efficiency improvements, then recoup the cost of these improvements through a surcharge on the customer's bill. The surcharge is designed to never exceed 90% of the projected energy savings associated with the improvements. It allows customers to make efficiency improvements with no up-front costs.

In order to participate in the program, customers must first have an energy audit performed by a Midwest Energy specialist. The audit will identify cost-effective improvements which the customer may then have completed by a participating contractor. The audit will be free of charge if the customer participates in the program. Customers who elect not to participate will be billed $200 for the audit.

Interest rates vary slightly depending on whether the customer is residential or non-residential and whether a low-cost source of financing (such as Efficiency Kansas) can be accessed through the program. Terms are up to 16 years for residential customers and up to 10 years for commercial customers. Customers are permitted to make payments buying down the initial cost of non-economic improvements to bring them within the program cost-effectiveness requirements. The program is available to both renters and building owners, although renters must have permission from landlord. In the event that the owner or tenant moves, the surcharge remains attached to the location where the improvements were performed as long as there is proper written disclosure.

Other program variations are available including How$mart Light for commercial lighting improvements (7-year maximum term) and How$mart GT for geothermal loops (30-year maximum term.) Please see the program web site or contact Midwest Energy for additional details, restrictions, and participation criteria.

  Kay Unruh
Midwest Energy
1330 Canterbury
Hays, KS 67601
Phone: (800) 222-3121
Phone 2: (785) 625-1474
Web Site:
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Disclaimer: The information presented on the DSIRE web site provides an unofficial overview of financial incentives and other policies. It does not constitute professional tax advice or other professional financial guidance, and it should not be used as the only source of information when making purchasing decisions, investment decisions or tax decisions, or when executing other binding agreements. Please refer to the individual contact provided below each summary to verify that a specific financial incentive or other policy applies to your project.

While the DSIRE staff strives to provide the best information possible, the DSIRE staff, the N.C. Solar Center, N.C. State University and the Interstate Renewable Energy Council, Inc. make no representations or warranties, either express or implied, concerning the accuracy, completeness, reliability or suitability of the information. The DSIRE staff, the N.C. Solar Center, N.C. State University and the Interstate Renewable Energy Council, Inc. disclaim all liability of any kind arising out of your use or misuse of the information contained or referenced on DSIRE Web pages.

Copyright 2014 - 2015 North Carolina State University, under NREL Subcontract No. XEU-0-99515-01. Permission granted only for personal or educational use, or for use by or on behalf of the U.S. government. North Carolina State University prohibits the unauthorized display, reproduction, sale, and/or distribution of all or portions of the content of the Database of State Incentives for Renewables and Efficiency (DSIRE) without prior, written consent.