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Call: 314-644-1570 Text: 314-310-2242



We Make Efficiency and Comfort Easy To Pay For

A new heating or cooling system, insulation and air sealing represent a great investment in your home, but can also require some financial juggling especially if the need was unexpected. That’s why SmartHouse has established relationships with several quality programs to offer financing that is easily to apply for and fairly priced.

We’re proud to work with St. Louis County to offer low interest financing for energy efficiency improvements.

If you are a St. Louis County homeowner, then you are eligible to apply for an attractive, low interest loan to improve the comfort and energy efficiency of your home.

After an easy, web-based approval process, your 3.5% (up to 10 year term) unsecured, personal loan can be applied to eligible energy efficiency projects ranging from $2,500 – $15,000. Eligible improvements include energy audits, air-sealing, insulation, and high efficiency heating, cooling and water heating equipment.

The combination of low interest and a long payment term means that in many cases, your monthly energy savings may be greater than your monthly payment.

The SmartHouse team has participated in training for the St. Louis County SAVES (Sustainable and Verifiable Energy Savings) program and is an authorized contractor for installing the eligible improvements. Additionally, all auditors are certified energy auditors through the Building Performance Institute (BPI).

Contact us at 314-644-1570 or click here to visit the St. Louis County website for more information about this program.

SmartHouse is Your Source for Financing From Spire Gas

Spire offers attractive financing for insulation and HVAC systems. The application is just one page and credit approval is likely if you have been on-time with your Spire Gas payments for 12 months.

  • Receive up to $2,000 for Insulation & Air Sealing. Pay just 3% interest for 7 1/2 years.
  • Receive up to $7,500 for heating & cooling system replacements. Pay just 7.5% for 5 years.

Contact SmartHouse at 314-644-1570 and we will be happy to provide additional information, answer questions and take your application.

90 Days Same As Cash

For customers that live outside St. Louis County or do not receive service from Spire Gas, SmartHouse is pleased to offer 90 days same as cash financing from FTL Finance. This financing is also useful if the improvements you wish to make are not eligible under the other programs. FTL is a reputable, St. Louis based lender that offers competitive rates and easy application and approval.

You can click here to go to their application page or give us a call and we’re here to help.

Customer Rebates

The Spire Gas Residential High Efficiency Rebate Program provides rebates to residential owners and customers of Spire Gas Company and Missouri Natural Gas Company for the installation of high efficiency heating systems, programmable thermostats and natural gas water heaters.

The Ameren Missouri Coolsavers Rebate Program provides rebates to residential owners and customers of Ameren Missouri for the installation of high efficiency air conditioner systems and programmable thermostats. It also provides a rebate for maintenance and testing of air conditioners.

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