Ygrene financing provides 100% no money down financing to help property owners make energy efficiency, renewable energy, water conservation, and storm protection improvements to residential, multifamily, commercial and agricultural buildings. Ygrene is a provider of Property Assessed Clean Energy (PACE) financing. (See below for more specific details on PACE.)

Eligibility for Ygrene is based primarily on home equity, among other factors. No minimum credit score is required for approval — but your credit will only be pulled to verify certain underwriting criteria. The credit pull is a soft credit pull and will not negatively affect your credit score. Payments can be spread out up to 20 years for residential properties and 30 years for commercial properties (depending on the useful life of the improvement) with no payments for up to 17 months*, subject to date of funding. Interest will accrue after funding.

Depending on where you live, PACE financing can be used for improvements on commercial, residential, nonprofit, light industrial and agricultural properties. PACE helps communities at all levels by creating green jobs and helping local governments achieve important environmental goals.

Ygrene can be used to pay for hundreds of energy efficiency and renewable energy upgrades for both home improvement and commercial projects. In certain states, storm protection improvements, electric vehicle charging stations, water conservation projects, and seawall installation are also eligible. You can find out which projects are available in your area here.

Some common improvements that Ygrene can be used for include solar, energy-efficient heating and cooling (HVAC) systems, windows, doors, roofing, insulation, ducts, pool pumps, water heaters, drought-tolerant landscaping, and water-conserving indoor plumbing repairs. Here is the full list of projects that Ygrene can finance, by state.

It’s simple. First, check your eligibility. If your property is in one of our service areas, you can apply online and get a decision in 30 minutes or less. Eligibility is primarily based on property equity, among other factors and no minimum credit score required. Applying for PACE financing with Ygrene will have no effect on your credit score.​ 

No minimum credit score is required to qualify. A soft credit pull is still necessary to check for bankruptcies and mortgage history, but your actual credit rating will not affect the final approval decision. A soft credit pull will not affect your credit score. ​