TVA EnergyRight

Our TVA EnergyRight® loan program is an easy and efficient process that is completely online and paperless.


  • Apply online 24/7
  • A local company handling all your needs.
  • Simplified and efficient contractor process using data entered into the TVA EnergyRight® residential hub.
  • Instant loan approvals
  • Prompt contractor payments.
  • Online loan closings using electronic signatures and verifications.
  • Instant loan approvals
  • Apply online 24/7
  • A local company handling all your needs.
  • Prompt contractor payments.
  • Simplified and efficient contractor process using data entered into the TVA EnergyRight residential hub.
  • Online loan closings using electronic signatures and verifications.
Home interior

What we can finance

All upgrades installed by a member of TVA’s Quality Contractor Network through the TVA EnergyRight® program.


  • HVAC

  • Duct systems

  • Insulation

  • Air sealing

  • Windows

  • Doors

  • Water heaters

  • Appliances

  • HVAC

  • Duct systems

  • Insulation

  • Air sealing

  • Windows

  • Doors

  • Water heaters

  • Appliances

TVA EnergyRight loan application process

  • 1
    Log in or register at www.energyright.com/residential
  • 2
    Click on the ‘Apply for Financing’ button
  • 3
    Follow the online application instructions
  • 4
    Receive loan decision within seconds!

FAQs

The TVA EnergyRight® Program is a suite of residential energy services that help homeowners make home energy upgrades by:


  • Connecting homeowners with contractors who have been specially trained and approved by TVA and your local power company
  • Providing homeowners free inspections of the contractor's work to ensure the job was done right
  • Providing homeowners with a home energy evaluation and their EnergyRight® report, which details a clear path to make their home a 10 - its most energy efficient!
  • Increasing home comfort and saving money!

For more information please visit www.energyright.com/residential.


Financing options vary by local power company. To find out which options are available in your area, please create an account or login at www.energyright.com/residential. If your local power company has partnered with Vanderbilt, there will be an ‘Apply for Financing’ button in your residential account that will take you directly to our easy and convenient, online application process.


No. The application process is completely free.


Creating an account during the application process has multiple benefits. It allows you to complete your online application, track your loan progress, and close your loan. After closing, you can continue to log in to make free online payments, set up automatic draft, review payment history, and check your loan balance. Additionally, in order to log into this site, you will be prompted to answer one of the security questions you created. This ultimately helps us protect your identity.


Your approval is valid for ninety days. If your application expires you will have to reapply.


Any energy efficient upgrade installed by a member of TVA’s Quality Contractor Network through the TVA EnergyRight® Program is eligible for financing.


Yes. You are able to complete as many energy efficiency upgrades as you want, subject to your maximum loan amount of $15,000.


Yes. The contractor must be a member of the TVA Quality Contractor Network (QCN) in order for the upgrades to be eligible for financing. To view QCN members in your area, please visit www.energyright.com/residential.


For your convenience, we will pay your contractor directly. During the loan closing process, you will be able to tell us how much of your completed upgrades you would like to finance. We will pay that amount to your contractor.


We offer up to 120 month (10 year) loan term with loan amounts up to $15,000.


$15,000 is the maximum approval amount in the TVA EnergyRight® loan program. To provide you with the most flexibility and efficiency, all loans are approved up to the maximum amount. Your actual loan amount will be based on cost of the home energy upgrades that your contractor completes. You will have the option to finance all or a part of the cost of the upgrades.


The loan process is completely online. For your ease and convenience, all loan documents can be electronically signed. Once signed, you will be able to save the documents to your computer or print for your records.


We take privacy and security very seriously. In order for us to verify your identity, we use a highly trusted and secure validation process. During your application, you will be asked to answer a few questions, which are based on your personal history. These questions may be challenging, and you may even need your records to answer them.


Don’t worry. The questions are used to verify who you are and may be challenging or not of recent memory. If you miss the questions, we will work with you to verify your identity and get you back into the online loan process.


Your first due date will be on your loan paperwork. You will also receive a coupon book to keep track of your monthly payments. Additionally, you will be able access your payment due dates by logging into your Vanderbilt account. You will have access to make free online payments along with several other account features. There is no prepayment penalty, and access to make a payment is available 24 hours a day.


Yes. You can pay your loan off anytime without penalty.


Payoff requests will be available online. It will also give you instructions on how to send that payoff.



*Vanderbilt’s TVA EnergyRight® Loan only, example of 10 year fixed rate term with $8,000 loan amount for eligible improvements installed by a member of an approved contractor network for a home in an eligible state with an application received by September 30, 2022. $0 down payment, 120 monthly payments of $101.08 (P & I). 8.94% APR 8.94% Interest Rate as of 7-1-2022. Minimum credit score of 740 required. Other interest rates available for lower credit scores (minimum 640 credit score required for approval). Rates and terms subject to change. All loans subject to credit approval. Vanderbilt Mortgage and Finance, Inc., 500 Alcoa Trail, Maryville, TN 37804, 1-888-893-8792.

**$15,000 maximum loan amount. Rates vary based on credit score (minimum 640 credit score required for approval).

Home Exterior

About Vanderbilt

Vanderbilt Mortgage and Finance, Inc. is a Berkshire Hathaway company with over 35 years of lending experience. Our home office is located in Maryville, TN with over 900 team members to serve your needs. Currently, we serve over 20,000 customers in the TVA footprint.


Get started with the TVA EnergyRight application process