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EarthCents Financing

Hassle-free home improvement loans

  • No down payment
  • Loans from $500 - $4,999 for up to 5 years
  • Loans from $5,000 - $10,000 for up to 6 years
  • Interest rates as low as 9.9%
  • No prepayment penalties
  • Conveniently billed on your Mississippi Power electric service account

We finance a variety of energy efficiency improvements.

  • All electric heat pumps
  • Dual fuel heat pumps
  • Electric water heaters
  • Thermal improvements ( financed in addition to an electric heat pump or when an electric heat pump already exists):
    1. Duct sealing and infiltration control
    2. Insulation, storm doors, U-value of ≤ .60 & SHGC ≤ .60 windows

We'll make it easy for you.

Complete the application in the privacy of your home. Click here to apply.

Approximate monthly payments on an Energy Loan from Mississippi Power*

Amount 1 Year 2 Years 3 Years 4 Years 5 Years 6 Years
$2,000 $176 $93 $65 $51 $43 -----
$4,000 $352 $185 $129 $102 $85 -----
$6,000 $528 $277 $194 $152 $128 $111
$8,000 $703 $369 $258 $203 $170 $148
$10,000 $879 $461 $323 $254 $212 $185

*Some restrictions apply
Examples based on 9.9% interest rate

For more information call 1-866-251-1943.