The St. Louis Green HELP Energy-Efficiency Loan Program is no longer accepting applications for new loans. Please direct any questions about your energy-efficient improvement or loan repayment to Customer Service at 1-877-708-3456 or (314) 657-3422.

Welcome to St. Louis Green HELP Program. The Green Home Energy-Efficiency Loan Program (Green HELP) is a low-interest loan program that helps city homeowners lower their utility by creating more energy-efficient homes.

 Eligible Projects
  • Furnace Systems
  • Air and Duct Sealing
  • Doors and Windows
  • Installation of Insulation
  • Heat Pump
  • Hot Water Heater 
  • Solar Panels
  • Appliance Replacement

A full list of eligible projects can be found here.

Loan Specifications
  • Maximum loan value up to $15,000 per applicant
  • Repayment term: Up to 10 years
  • Interest Rate: 2.11%

For more details on the terms of the loan, please view loan details.

Loan Qualification Details 
  • Applicant must be a city-resident
  • Property must be owner-occupied for life of the loan
  • Property must be a single-family or two-family home
  • Applicant must be current on all real estate and personal property tax
  • No minimum income
  • Minimum credit score of 625
  • Maximum debt to income ratio of 45%

For more details about loan qualification, please view program requirements.

*A contractor’s bid/proposal and three months of paycheck stubs are required before submitting an application.

 Click here to learn more about the process to obtain the loan.



Darlene Green

“The Green HELP program can financially enable many homeowners to make their
home more comfortable, more energy-efficient and save money. We encourage homeowners to take advantage of these low-interest loans.”

 – City of St. Louis Comptroller, Darlene Green