On-Bill Loan Program

City of Holland homeowners can pay for energy improvements directly on their HBPW bill with the Holland On-Bill Loan Program (OBLP) offered through the Holland Energy Fund. This loan program offers loans from $5,000 to $30,000 using simple qualifying criteria, fixed interest rates, and the convenience of payment on your Holland Board of Public Works bill. 

Note on Holland Energy Retrofit (HER) Participation: While many HER participants may wish to take advantage of the On-Bill Loan Program, participation in HER is not required to finance energy improvements with HBPW.


  • Own a home in the City of Holland.
  • Have 12 months of on-time bill payment history with Holland BPW.
  • Have no delinquent taxes, unsatisfied money judgements or bankruptcies within the last three years.
  • Work with an authorized Michigan Saves Contractor.

Why get an On-Bill Loan?

Covers Most Energy Efficiency Measures

On-Bill financed projects may include any item listed in the Michigan Energy Measures Database (MEMD) as well as renewable energy upgrades for qualifying houses. Financing may also cover remediating pre-existing hazards or physical defects in order to install an energy efficiency measure.

Simple Qualifications

Prospective loan recipients must finance a home in the City of Holland and have 12 months of on-time payments with the Holland Board of Public Works. Financing does not require a credit score or debt-to-equity ratio check, nor will it appear on a credit score.

Easy Terms

On-Bill Loans feature fixed interest rates not to exceed 6.99%. Borrowers may apply for $5,000—$30,000 for up to 15 years with no penalty for early payment.

Loan Attached to Property

On-Bill Loans may be transferred to the next homeowner.

Apply Now

 Ready to Get Started?

I’m applying for the Holland Energy Retrofit program rebate AND On-Bill Loan Program.

Simply check the On-Bill Financing box on your Holland Energy Retrofit application. HBPW staff will contact you for paperwork and details on the On-Bill Financing program.

I’m interested in the On-Bill Loan Program ONLY.

To learn more about the On-Bill Loan program without a Holland Energy Retrofit project, please speak with our staff.

Contact Holland Board of Public Works
(616) 355-1500