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On-Bill Loan Repayment for Homeowners in Washington

Make energy-efficient upgrades with affordable financing repaid through your NW Natural bill

Homeowners in Washington can reduce upfront project costs with incentives and affordable financing solutions.

Energy Trust works with NW Natural and regional nonprofit lender Craft3 to offer an On-Bill Loan Repayment option to help you complete home energy-efficiency upgrades. Qualifying customers may apply for a loan with affordable rates for their energy-efficiency home improvements that are eligible for Energy Trust incentives. Projects like furnace or window upgrades are some of the easiest ways to increase comfort, save energy and save money.

Get started by contacting an Energy Trust trade ally contractor trained to offer On-Bill Loan Repayment.

Available in Washington
  1. Establish your eligibility.

    Read More >

    You must live in Washington and heat your home with gas provided by NW Natural. Additional requirements apply; check the Details tab for more information.

  2. Contact an Energy Trust trade ally trained to provide On-Bill Loan Repayment services in Washington.

    Your contractor will provide a bid for eligible upgrades.

  3. Fill out and sign the Energy Trust On-Bill Loan Repayment incentive application provided by your contractor.

    Your contractor will submit this form to Energy Trust.

  4. Apply for the Craft3 loan.

  5. Sign your loan documents and begin your project.

    Upon incentive approval by Energy Trust and loan approval by Craft3, Craft3 will generate your loan documents, which can be signed electronically. Once your loan documents are signed and returned to Craft3, notify your contractor to begin work. You will receive communication from NW Natural when your loan repayment is active and you will begin seeing it on your energy bill.

In addition to the eligibility requirements listed in the Steps tab, you must reside in and own the home receiving the upgrades. If you live in single-family home, condo, townhome or plex property, you are eligible for all available incentives. The loan may only be used to cover the cost of materials and installation, up to $15,000, for the following projects that qualify for Energy Trust incentives:

*There is no customer-facing incentive for a gas tank water heater, but the cost of the unit and installation may be financed with Washington On-Bill Loan Repayment.

Craft3 offers home energy-efficiency loans to qualifying NW Natural customers. There are no extra costs or pre-payment penalties. Repayment method is the home heating bill.

To learn more about this loan offer, visit Craft3’s webpage or call 1.888.231.2170.

Project eligibility is determined by Energy Trust. Loan terms are available for owner-occupied single family homes only. Loan availability, terms and conditions are subject to change without notice. Not all applicants will qualify. Craft3 is an equal opportunity lender, NMLS ID#390159. Visit to learn more or to apply online.

Contact one of our trained trade ally contractors or call Energy Trust at 1.866.368.7878 to take advantage of this financing option.

Why choose On-Bill Loan Repayment?

  • Inclusive loan approval criteria. You may be eligible for a loan even with a less-than-perfect credit score.
  • Big savings, small bill. The energy savings from your upgrades may offset much of the loan cost, so you could see little to no increase in your energy bill.

Whom should I contact with questions about On-Bill Loan Repayment?

For more information about qualifying projects, call us at 1.866.368.7878 for single-family home projects or 1.877.510.2130 for multifamily projects, or email us at

For more information about the loan, visit Craft3’s webpage or call 1.888.231.2170 ext. 225.

How long will it take for me to start making loan payments through my utility bill?

You can expect to begin loan payments one to two bill cycles after funds are disbursed to your trade ally contractor.

What happens to the Craft3 loan if I sell my property?

You have the option of either paying the remaining balance of the loan or transferring the loan as a term of sale to the next homeowner. Loan transfers will require approval by Craft3 and fees may apply.

Why don’t renters qualify for this loan?

This offer is only available for owners who live in their single-family home because the property owner must approve all upgrades or changes to the residence in order to receive incentives and meet the required terms of the loan.

What other financing options are available to me if I don’t qualify for On-Bill Loan Repayment?

Visit our financing webpage to find additional financing options. You can also talk with your bank or credit union to see if they offer loans for energy improvement projects.

I’m a contractor and I want to offer this financing option to my customers. What should I do?

Contact to learn more and find out more about our plans to make On-Bill Loan Repayment more broadly available in the future.

I received a loan from Craft3 or PSCCU and completed a project using On-Bill Loan Repayment. Whom should I contact if I have questions?

For questions regarding your Craft3 on-bill loan, you should contact Craft3 by phone at 1.888.231.2170 ext. 115 or by email at

For questions regarding your PSCCU on-bill loan, you should contact PSCCU by phone at  1.800.273.1550 or by email at

What is the NMLS ID number?

NMLS stands for Nationwide Multistate Licensing System & Registry. It is a system used by most states to aggregate licensure information for financial services such as mortgage lending. For more information, visit the NMLS webpage.


For incentive related questions, please give us a call at 1.866.368.7878 for single-family home projects or 1.877.510.2130 for multifamily projects or email us at

For questions regarding the loan process, please reach out to Craft3 at 1.888.231.2170 ext. 225 or send an email to