Energy Loan Contractors


MCCU provides statewide financing for Energy Efficiency loans.

  • Fast loan decisions (within one business day)
  • FICO as low as 640
  • Loans up to $50,000

Southern California Regional Energy Network (SoCal REN) Properties must be serviced by Southern California Edison (SCE) or The Southern California Gas Company (not including Ventura, Santa Barbara or San Luis Obispo Counties).


  • Rates as low as 4.99% APR*


The Residential Energy Efficiency Loan (REEL) Assistance Program
Properties must be serviced by Pacific Gas & Electric (PG&E), Southern California Edison (SCE), Southern California Gas (SoCal Gas), or San Diego Gas & Electric (SDG&E).


  • Rates as low as 5.99% APR**
  • Flexible project scope: 30% of proceeds can be used for other home improvements.



* APR = annual percentage rate. Payment per $1,000: 5 years, 4.99% = $18.87.

** APR = annual percentage rate. Payment per $1,000: 5 years, 5.99% = $19.33.

Rates are subject to change at any time. Quoted rates include automatic payment discount of .50%.Membership required. Equal opportunity lender. Lender may require a UCC lien be placed against the subject property.




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