SoCalGas - Zero Percent On-Bill Financing
Feedback Tab: Click here to submit feedback

Zero Percent On-Bill Financing

Working in conjunction with its energy-efficiency rebate and incentive programs, Southern California Gas Company (SoCalGas®) is offering qualified customers zero-percent, unsecured loans to finance the purchase and installation of eligible measures.

Program Features

  • Loans are interest-free, unsecured and non-transferrable.
  • There is no penalty for early repayment.
  • Monthly repayments are billed on your utility bill.

Loan Amounts and Terms


Eligible taxpayer-funded accounts of the state of California

Other eligible taxpayer-funded accounts (cities, counties, public schools, etc.)

Eligible business accounts1

Loan amounts (per meter):

$5,000 - $1,000,000

$5,000 - $250,000

$5,000 - $100,000

Maximum loan term:

10 years or useful equipment life (whichever is shorter)

10 years or useful equipment life (whichever is shorter)

5 years or useful equipment life (whichever is shorter)

1These include owners of multifamily units who do not reside on the premises.

Top Button


Eligible customers:

  • On-Bill Financing is open to non-residential customers (including owners of multifamily units who do not reside on the premises).
  • Account must be active for the past two years in the same business and in good standing.
  • More restrictions apply. Read the On-Bill Financing Fact Sheet for eligibility details.

Eligible projects:

  • Equipment must be installed at the meter of the account holder of record for which the loan is being made.
  • Project must meet terms and conditions of one or more energy-efficiency programs offered by SoCalGas.
  • Maximum project payback for taxpayer-funded institutions, including eligible state of California accounts, is 10 years or useful equipment life (whichever is shorter). For all other projects payback is five years or useful equipment life (whichever is shorter).
  • More restrictions apply. Read the On-Bill Financing Fact Sheet for eligibility details.

Loans are offered only to projects that qualify for at least one of our energy-efficiency programs. Here is a partial list of programs and qualifying equipment:

Energy-Efficiency Rebates for Business Program Energy-Efficiency Calculated Incentive Program 
Greenhouse curtains Furnaces, kilns, ovens
Pipe/tank insulation Heat recovery
High-efficiency fryers Waste water heat recovery
Steamers Boiler economizers
Lean-burning natural gas engines
Ozone laundry system
Thermal oxidizer

If your energy-efficiency project is not listed here but has a payback period that could qualify for On-Bill Financing, please give us a call. We can help find the right solution for you.

Top Button

Getting Started

Start saving energy today! On-Bill Financing can help qualified customers with zero-percent financing in just a few simple steps:

  1. After reviewing this program information, call 1-800-427-6584 (select option six) or email us at to contact our program staff and see if your project qualifies. Qualified projects will receive a no-cost energy audit to determine the energy savings.
  2. Apply for the energy-efficiency business rebate or incentive.
  3. Contact the On-Bill Financing staff for pre-qualification.
  4. Receive loan package once SoCalGas verifies other qualifications (such as maximum payback period).
  5. Sign and return the loan documents.
  6. After the loan documents have been approved by SoCalGas, install the equipment. SoCalGas will conduct 100 percent post-inspections of installed projects.
  7. Receive the loan. Your monthly loan installment will be included on your utility bill.
Top Button


On-Bill Financing: Customer Testimonials

Customers have many positive things to say about our On-Bill Financing program. 

Jeff Mueller - President of American Die Casting Company

An Easy Decision

"SoCalGas gave me a $50,000 loan with no interest, no points and no fees,” said Jeff Mueller, president of American Die Casting Company. "It was a no-brainer."

Bob Lofton - Manager at Superior Cattle Feeders

Zero Up-Front Costs

Superior Cattle Feeders bought a new $112,500 boiler without paying a dime up-front. SoCalGas provided a $54,300 incentive and a $58,200 zero-interest loan. “It’s hard to say no to a deal like that,” said manager Bob Lofton.

Top Button

This program is provided to eligible customers on a first-come, first-served basis until the program funds are no longer available. This program is funded by California utility customers and administrated by Southern California Gas Company under the auspices of the California Public Utilities Commission. This program may be modified or terminated without prior notice. Eligibility requirements apply. Although SoCalGas does not require collateral for the loan, installers and other parties might require security or place a lien on the equipment installed. Southern California Gas Company is not responsible for any goods or services selected by the customer.

Updated 6/2014

My Account

You can pay your SoCalGas bill online, go paperless, set up monthly bill payments, receive reminders when your bill is ready and choose the date to pay your bill with My Account. Sign up today for 24/7 access.