U.S. Department of Agriculture
What it may cover
Varies
Enrollment
Open enrollment
Where available
Check locally
What you get
The USDA Rural Utilities Service Electric Loan Program provides low-interest loans to rural electric cooperatives, public power districts, and other eligible borrowers to fund the construction, expansion, and improvement of electric distribution, transmission, and generation facilities in rural areas. By financing reliable, affordable electricity infrastructure in rural communities, the program reduces energy costs and improves quality of life for rural residents and businesses who are the end beneficiaries. Loans may also fund smart grid upgrades, distributed energy, and energy storage projects.
Help paying heating, cooling, or past-due utility bills, often paid directly to the utility company.
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If you do not have one of these, apply anyway and ask what substitutes are accepted.
Processing time varies by location and program funding.
Your ZIP helps you confirm the right local office and state-specific rules.
Other programs in the same category that often go hand-in-hand.