Home > Residential > Reduce the Use and Save > Smart Energy Loans
Contact Us Today

  E-mail Us
Horry & Georgetown
Call: 843-347-3399 x3910
Berkeley County
Call: 843-761-8000 x3910

Smart Energy Loans

Loan programs that build in value.

The loans in the Smart Energy Homes Programs reward you when you reduce the use of electricity. Whether you’re looking to build a new home or just boost your current home’s energy conservation, together we can improve the energy saving power of your home, helping you save more year-round.


Santee Cooper can help you pay for qualified, energy saving improvements and renewable energy resources for your home. You can apply for energy-efficient loans ranging from $500 to $20,000 with up to 60-months to repay loans over $1,000. Our renewable energy resource loan is up to $40,000 with up to 120-months to repay. 100% financing available.

Energy-Efficient Loan

  • High Efficiency Electric Heat Pumps
  • Heat Pump Water Heaters
  • Solar Water Heater
  • Duct Improvements
  • Insulation
  • Weatherization
  • Insulated Doors
  • Replacement Windows

Renewable Energy Resource Loan†

Click below to expand the answers.

  1. Begin by filling out a loan application (Online or PDF). Santee Cooper will let you know when your application has been approved. Applications remain active for 90 days.

    Please note: If you have a heat pump emergency, you may request 24-hour approval.

  2. Schedule a Home Energy Audit. If you live in Horry & Georgetown counties call, 843-347-3399, for Berkeley call, 843-761-8000. The Energy Advisor will provide a list of energy saving ideas and recommendations.

  3. Send one proposal of your choice for the heat pump, as well as other improvements, along with a manual J8 calculation to your Energy Advisor. You will be called when the proposal has been approved. You must have received the approval for your application and the proposal before any work takes place. If work begins before approval, the loan may be denied. Santee Cooper will then inform you to contact your Trade Ally to schedule the work.

  4. Have your Energy Advisor do a final inspection when the work is done. Your Energy Advisor will schedule the loan final where you will sign the loan documents if the work meets the program requirements.

  5. Payment is made in the form of a joint check to you and your Trade Ally.


  1. Start by filling out a loan application. In addition, customers will need to complete an Application to Interconnect Customer-Owned Small Generation anytime the PV System will be connected in any way to Santee Cooper's electrical system.(Participation in the Net Billing Program is not required to qualify for a PV Loan.) Applications remain active for 120 days.

  2. Once you submit your applications, a Santee Cooper Energy Advisor will contact you to schedule an Energy Audit of your home.

  3. Your home will be inspected. The loan application and the interconnection applications will be reviewed which includes an Energy Audit of your home, as well as a site visit by the Santee Cooper Area Engineer.

  4. If your application is denied, you will find out by mail. If it is approved, a Santee Cooper Energy Advisor will contact you for loan approval & further directions.
  1. Select a contractor with appropriate license and certifications. Submit the proposal to Santee Cooper within 60-days of approval of your loan application (Remember, a contractor's license numbers, certifications, and signature are required).

  2. Once the proposal is approved, you will contact your pre-approved contractor to perform work. Your system must be installed within 120-days of Santee Cooper's approval of the certified contractors proposal.

  3. Once PV installation is complete, you will contact the Santee Cooper Energy Advisor to schedule the verification of the proposal and finalize all interconnection requirements and tests. 

  4. The Energy Advisor will let you know if the PV installation and interconnection meets all program requirements. If everything is approved, you will complete all necessary loan documents and sign the interconnection
    agreement (if applicable). At this time, a meter will be installed and you will be required to participate in the Distributed Generation Rider Program. Upon
    satisfaction of all loan program requirements, Santee Cooper will disburse the loan proceeds accordingly. Copies of all the loan documents will be mailed to you for your records.

* Maximum outstanding loans per customer cannot exceed $20,000 for energy-efficient loans and $40,000 for renewable energy resource loans. Combined maximum outstanding loans per customer cannot exceed $40,000.

† For renewable energy resource systems, the Trade Ally must have a State Electrical Contractors License and appropriate certifications.