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Incentives/Policies for Renewables & Efficiency

Printable Version
City of Plano - Smart Energy Loan Program   

Last DSIRE Review: 10/16/2014
Program Overview:
State: Texas
Incentive Type: Local Loan Program
Eligible Efficiency Technologies: Clothes Washers, Dishwasher, Refrigerators, Dehumidifiers, Water Heaters, Lighting, Chillers , Furnaces , Heat pumps, Central Air conditioners, Programmable Thermostats, Duct/Air sealing, Building Insulation, Windows, Custom/Others pending approval
Eligible Renewable/Other Technologies: Solar Water Heat, Photovoltaics, Wind, Geothermal Heat Pumps, Solar Pool Heating
Applicable Sectors: Residential
Amount:Varies, minimum loan amounts may be required for 120 and 180 month terms
Terms:5.49% - 15.49% interest for up to 36 months
5.99% - 15.99% interest for 37-60 months
5.99% - 16.49% interest for 61-120 months
6.99% - 16.99% interest for 121-180 months
Funding Source:Department of Energy, American Recovery and Reinvestment Act (ARRA)
Web Site:

The City of Plano offers the Smart Energy Loan (SEL) Program to provide energy efficiency loans to homeowners. In partnership with Credit Union of Texas, Plano provides homeowners with a variety of financing options for energy efficiency upgrades. The SEL loan program will continue to offer future loans as existing loans are paid off.

Eligible properties must be owner-occupied existing residential properties to qualify for this loan program. Other requirements include being current on mortgage and property taxes, no bankruptcy or foreclosure history for the past 3 years, and no voluntary liens currently held on property. (See the Residential Agreement for more details.)


Acceptable energy efficiency design measures are identified by the City’s program standards, Texas HERO Home Energy Checkup, or contractor during a qualifying home energy assessment and presented to the borrower during a home energy advisor consultation session.

A program prerequisite for all SEL loans will be the completion of identified Whole-house Energy Efficiency Package* and a Texas HERO Home Energy Checkup. The HERO Report will identify the home’s baseline rating and assist in prioritizing and completing projects based on energy efficiency improvement, return on investment and existing equipment condition.

Renewable Energy

All applications must achieve at least a 20% energy efficiency improvement (or at least a HERS rating of 85 or better) prior to funding the installation of any on-site renewable or energy generation systems.


*Whole-house Energy Efficiency Package consists of a minimum of sealing ducts, windows, doors and wall penetrations; HVAC tune-up; attic insulation of at least R=38; insulating/sealing recessed lights in ceilings; installation of at least 50% CFL light bulbs and insulating water heater tanks. In addition, the home will need to demonstrate a HERS Index improvement of 10%, while reaching a minimum air leak/penetration of between .36 to .40 ACH (as measured by 2009 IECC, 405.5.2 (1).Home projects can be excluded from the Whole-house Package prerequisite, through achieving a HERS Index of 125 or below (if built on or before 2000) or below 101 (if built after 2000) or if the systems are for an emergency replacement.

  Smart Energy Loan Coordinator
City of Plano
4200 W. Plano Parkway
Plano, TX 75093
Phone: (972) 769-4335
Web Site:
NCSU - home
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.