Financing Your Home Comfort: Green Attic Payment Options

We offer two primary financing pathways to help you complete your home improvement projects. Whether you are looking for flexible terms through Wisetack or a utility-backed loan through EFS, we have a solution to fit your budget.

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Find the Best Fit for Your Home and Budget

Use the table below to compare Wisetack and the Illinois On‑Bill (EFS) program for loan amounts, interest rates, and how each option appears on your monthly bills to choose the one that works best for your home and budget.

Feature	Wisetack	EFS (On-Bill)
Max Amount	$25,000	$20,000
How You Pay	Directly to Wisetack	Added to Your Utility Bill
APR	0% – 35.9% (Variable)	7.74% (Fixed)
Prepayment Penalty	None	None
Approval Speed	Instant	Quick

Option 1: Wisetack Financing

Best for: Homeowners looking for flexible credit-based financing with a wide range of loan amounts.

Wisetack provides a fast, digital-first experience that allows you to finance projects from small repairs to major installations.

Loan Amounts:: $500 – $25,000
APR:: Competitive rates ranging from 0% to 35.9% (based on credit)
Flexible Terms:: Choose from 3, 6, 12, or 24 months or up to 10 years for larger projects
Transparent Pricing:: No origination fees or hidden costs

No prepayment penalties (pay it off early at any time)

No compounding interest
Fast Approval:: Quick application process with instant decisions

Option 2: Illinois On-Bill Financing (EFS)

Best for: Homeowners seeking fixed, low-interest rates with payments added directly to their utility bills.

The Illinois Energy Efficiency Loan Program is designed to encourage high-efficiency upgrades by allowing you to pay for improvements through your monthly utility bill.

Payment Method:: Conveniently added as a monthly charge on your gas or electric bill.
Eligible Properties:: Owner-occupied or tenant-occupied residential homes (1–4 units), including condominiums and mobile homes.
Loan Details:: Amounts: $500 – $20,000 to fit a variety of project sizes

Fixed Rate: 7.74% interest (subject to current availability) for predictable, consistent payments

Terms: Flexible options of 1, 3, or 5 years (7- and 10-year terms available for loans over $8,000)
No Collateral:: This is an unsecured loan.
Benefits Beyond the Project:: Energy Savings: Focused on reducing utility bills and energy consumption

Better Air Quality: Improves indoor air quality and home comfort

Eco-Friendly: Makes your home more resilient against extreme temperatures
Eligibility:: Improvements that meet designated energy-efficiency standards qualify, ensuring lasting comfort and savings.
Cost-Effective:: No fees, no points, and no closing costs. 100% of installation costs can be financed.

HOW TO APPLY

Call US now for more information

847-929-9492

Clients must show proof of two months payment of Electric Bill Contact us for more information 847-929-9492

50% Deposit down

No Credit Check

0% Interest Rate

Terms and Conditions: All financial assistance offers, including No Credit Check financing, are contingent upon the submission of valid proof of residency/utility payments.

Information last verified on January 21, 2026.