This report highlights program and policy attributes that enable successful on-bill programs based on analysis of four program case studies.

Clean Energy Works Oregon's (now Enhabit's) experience implementing an on-bill financing program.

Outlines Philadelphia's EnergyWorks program's use of low-interest loans to incentivize homeowners by tying the interest rate to the number of energy efficiency measures incorporated into the home.

This brief focuses on loan programs in 30 states that are currently providing low- to no-interest loans to finance energy efficiency improvements--from energy-efficient windows to replacement HVAC systems--in the residential, business, and public sectors.