Affordable HVAC Financing Through the City of Tallahassee Utilities Loan Program
If your home needs a new HVAC system but the upfront cost feels out of reach, you’re not alone. Many families struggle to afford essential home upgrades—especially when unexpected breakdowns happen. That’s why Sterling Service is proud to help local homeowners access the City of Tallahassee Utilities’ low-interest loan program for energy efficiency upgrades.
This program offers a low, fixed 5% interest rate, no down payment, and simple monthly payments, all billed directly on your utility bill. Even better, there are no income requirements, making this an excellent option for low-income families or anyone who may not qualify for traditional financing due to poor or limited credit history.
Why This HVAC Loan Program Works for Local Homeowners
The loan is specifically designed to help residents improve their home’s comfort and efficiency without getting buried under high-interest debt. Unlike bank credit or retail financing—which can run anywhere from 12% to 29%—the City of Tallahassee’s program keeps payments low and predictable.
Key benefits include:
- No money down
- 7-year repayment term (10 years for solar)
- Fixed 5% APR
- Minimum payment as low as $25/month
- Borrow $500–$15,000
- No income limits
- Open to customers with past credit challenges, as long as the City utility account is in good standing.
Because payments are added directly to your monthly utility bill, repayment is simple and stress-free.
What Energy Efficient Upgrades Can You Finance?
Many home improvement upgrades qualify, including:
- New HVAC systems
- Heat pumps
- Air conditioners
- Mini splits
- Natural gas furnaces
- Ductwork repair, replacement, or sealing
- And so much more!
All equipment must meet City of Tallahassee energy-efficiency standards, and an energy audit may be required for certain upgrades. Sterling Service will guide you through this step as part of our HVAC installation process.
How to Apply for This HVAC Loan
- Log in to your utility account or call the city’s Customer Operations at 850-891-4968 to get pre-screened.
- Receive and sign the Preliminary Loan Terms and Policies.
- Get a proposal from Sterling Service for your new HVAC installation.
- Submit our proposal and other required documents to the City of Tallahassee.
- The City of Tallahassee prepares your loan documents.
- Sign and return Disclosure Documents.
- The City of Tallahassee prepares your Promissory Note.
- Sign and notarize the Promissory Note.
- After approval, installation can begin!
- The City of Tallahassee pays us directly once the project passes inspection.
It’s truly one of the easiest and most cost-effective ways to upgrade your home’s comfort.
We’re here to help you every step of the way. Contact Sterling Service today to get started with a complimentary estimate and discover whether this program is the right fit for you. Call 850-391-0091 or request estimate online.