Financing Programs

We are proud to offer

An affordable solution for your home’s comfort.

Having trouble staying comfortable in your home? We offer an affordable solution for some of your biggest home energy improvements.

Ask us about Alabama Power Smart Financing
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Flexible rate options to fit your budget.
Fast and easy application process.
Alabama Power has been a trusted name and company since 1906. Smart Financing was designed to keep your financial information secure.
Smart Financing was designed to keep your financial information secure. You do not have to be an Alabama Power customer to apply for Smart Financing.

The Benefits of Smart Financing

How it works

  • 1. Customer completes the digital financing application.
  • 2. If you qualify, you will be presented with your rate options.
  • 3. Sign all loan documents electronically – copies will be emailed to you.
  • 4. We will complete the project, and you can relax.

Frequently Asked Questions

What are the eligible financing amounts?

A minimum of $2,000 to a maximum of $25,000.

Who is eligible?

Residential homeowners in the state of Alabama.

Can I apply with a co-applicant?

Yes, but the primary applicant must be the homeowner.

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Do I have to be an Alabama Power customer to be eligible for Smart Financing?

No, but you must own the home and the address for the project you are requesting financing for must be in the state of Alabama. If you’re not an Alabama Power customer but the project address is within the state, we will set up an account for your convenience, solely designated for your project. You will receive bills from this account.

What products and services will Smart Financing finance?

Heating & Cooling
  • Heat Pump
  • Geothermal
  • Dual Fuel
  • A/C with Gas Furnace
Energy Efficiency Improvements
  • Insulation
  • Crawlspace Encapsulation
  • Windows/Doors
  • Attic Ventilation
  • Sun Protection Products
  • Roofing
Electrical
  • Smart Home/Security
  • Equipment
  • Electric Vehicle Charging
  • Installation
  • Electrical Panel Upgrade
Plumbing
  • Electric Hot Water Heaters
    (Replacement or Conversion)
  • Tank
  • Tankless
  • Heat Pump
  • Super Insulated
  • Well Pumps
Air Quality
  • Humidity Control
  • Air Cleaners
  • Duct Cleaning
Generators
  • Natural Gas
  • Diesel
  • Propane

Products and Services

Energy efficiency home products and other home- and power-related services can be financed, including:

Air Quality

  • Humidity Control
  • Air Cleaners
  • Duct Cleaning

Water Heating Conversion

  • Electric Water Heater — Tank
  • Electric Water Heater — Tankless
  • Electric Water Heater — Heat Pump
  • Electric Water Heater — Super Insulated

Standby Generator

  • Natural Gas-Fueled
  • Diesel-Fueled
  • Propane-Fueled

HVAC Conversion

  • Heat Pump
  • Geothermal
  • Dual Fuel

Water Heating Replacement

  • Electric Water Heater — Tank
  • Electric Water Heater — Tankless
  • Electric Water Heater — Heat Pump
  • Electric Water Heater — Super Insulated

Roofing

  • New Roof
  • Roof Repair

HVAC Replacement

  • Heat Pump
  • Geothermal
  • Dual Fuel
  • A/C with Gas Furnace

Energy Efficiency Improvements

  • Insulation
  • Crawlspace Encapsulation
  • Windows/Doors
  • Attic Ventilation
  • Sunscreen Products

Electrical

  • Smart Home/Security Equipment
  • Electric Vehicle Charging
  • Installation
  • Electrical Panel Upgrade