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Discover how the Indiana Energy Independence Fund can help you save energy and money with our sustainable financing solutions.

Home is where the energy savings are

Unlock affordable energy savings for your home with eco-friendly upgrades. The Smart-E loan offers cost-effective solutions tailored to homeowners across Indiana, empowering those looking to reduce energy bills while enjoying a more comfortable and healthy living space.

What’s a Smart-E loan?

Available for almost every homeowner, including low-to-moderate-income households and credit-challenged individuals, the Smart-E loan offers a range of benefits to help you enhance your home’s energy efficiency, saving you money and improving the overall health of your household.

No money down, low-interest financing, and easy to apply

  • Low-interest financing with flexible terms
  • Ranges from $500 to $50,000
  • Choose from over 40 energy improvements
  • Available to low-to-moderate-income and credit-challenged individuals
  • Unsecured loan with no down payment
  • Designed for homeowners of one-to-four-unit, owner-occupied properties in Indiana
  • Easy online application process
  • Trustworthy, licensed contractors
  • Up to 25 percent of the loan is available for other energy-related improvements

What home improvements are eligible?

Home performance and efficiency

Heating and cooling

Water heating

Health and safety


Here's how it will work:

Launching in summer 2024


Select a contractor

Source quotes from multiple contractors and choose the one that best fits your needs. Then, recommend your preferred contractor to apply and become a part of our authorized network!

Learn more before we launch


Apply for a Smart-E loan

Apply for preapproval on the Smart-E platform directly. Smart-E will preapprove your loan and inform you and your contractor.


Notify your Smart-E contractor

Once your Smart-E loan is preapproved, your contractor will send project details to our Smart-E team. We’ll make sure your project meets the program’s energy efficiency standards.