Upgrade Your Home Comfort with JCP&L’s 0% Energy Efficiency Financing
Delco Air helps New Jersey homeowners take advantage of trusted, transparent, 0% monthly payment options for qualified HVAC and energy upgrades.
Program Overview
0% APR Fixed Financing — No Hidden Fees, No Surprises
JCP&L customers can now make energy-saving home improvements without paying upfront. Through the National Energy Improvement Fund (NEIF), you can finance eligible HVAC and energy-efficiency upgrades with simple, fixed monthly payments added directly to your JCP&L utility bill.
Program Highlights:
- 0% APR with fixed monthly payments
- Loan amounts from $2,500 to $25,000
- Instant credit decision and paperless application
- 100% financing (after applicable rebates)
- No liens, hidden costs, or variable interest
- Simple, transparent repayment directly on your utility bill
Who Qualifies
Eligible Properties:
1-4 unit primary or secondary (vacation) homes
Owner-occupied, deeded properties with permanent foundations
Must be a JCP&L customer with qualifying credit
Loan amount based on credit score (640+ eligible)
Qualifying Improvements
Work must be performed by a NEIF-Approved Contractor (like Delco Air).
Eligible energy upgrades include:
Heat pumps
Central air conditioning
Gas furnaces and boilers (when installed with qualifying electric equipment)
Geothermal heat pumps
Whole-home energy solutions
Three Simple Steps
Choose Your Upgrade & Payment Plan
We’ll help you find the right qualifying equipment and select a payment term that fits your budget.
Apply for Instant Credit Approval
Delco Air will submit your application through NEIF’s secure online system for an instant decision.
Schedule Your Installation
Once approved, we complete your installation and handle the rebate paperwork. You repay your loan monthly on your JCP&L utility bill — simple and stress-free.
Why Choose Delco Air
- Certified NEIF-Approved Contractor
- Expert Installation of high-efficiency HVAC and heat pump systems
- Trusted Local Company serving Middlesex, Monmouth, Essex, Union, and
Hudson Counties - Transparent Pricing & Financing Support
For additional questions or to learn more about this program please visit https://www.neifund.org/jcpl-residential/
Start Saving Energy Today
Discover how much you could save with 0% financing on your home’s HVAC
upgrades. Not sure if your upgrade goals qualify? We can answer any questions and submit
all the application paperwork on your behalf!