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.
The Benefits of Smart Financing
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.
You do not have to be an Alabama Power customer to apply for 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
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What are the eligible financing amounts?
A minimum of $2,000 to a maximum of $25,000.
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
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.
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.
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