Nebraska Department of Environment & Energy logo

Nebraska Department of Environment & Energy

Planning & Aid Division

Dollar & Energy Saving Loans

3% OPPD Dollar & Energy Saving Loans

Nebraska Department of Environment and Energy

P.O. Box 98922|Lincoln, NE 68509

Phone (402) 471-2186|Toll Free (877) 253-2603

Omaha Public Power District's Residential or Small-Medium Businesses Eligible for 3% Interest Loans for Qualifying Energy Saving Projects

In partnership with the Nebraska Department of Environment and Energy (NDEE), OPPD is offering Dollar and Energy Saving Loans on pre-qualified projects. Due to a blended source of funding, this program offers OPPD residential and small-to-medium (SMB) business customers access to low-interest loans at 3% or less* for pre-qualified energy saving measures.

* Final annual percentage rates (APR) may vary by lender and loan fees charged.

Eligible OPPD Customers

To qualify for 3% OPPD-Participated Loans, you must meet the following criteria:

  • Be an OPPD residential or small-to-medium business (SMB) customer.
    • SMB customers must be on rate 230 or 231.*

    *Limited SMB loans are available, please contact your designated OPPD Account Executive prior to applying. Or e-mail OPPD at: 

  • Premise of the project must be completed in OPPD's Nebraska service territory.
  • Have a property that is permitted for energy-efficient upgrades.
  • Financial lenders may have additional parameters such as proof of income, credit score, etc.

Financing Overview

Eligible Projects

Eligible OPPD customers may apply for a 3% Dollar and Energy Saving Loan through participating Nebraska lenders for a variety of pre-qualified energy saving projects.

Form 1
Replacement Appliance Application. For consumer and business products such as Refrigerator, Freezer, Dishwasher and Clothes Washer Appliance Replacement. Maximum loan term 1 to 5 years.
Form 2
Door, Window, Wall and Ceiling Projects Application. Insulation Added, Seal leaking Doors and Windows, Wall and Ceiling Insulation, Caulking and Sealing Building Envelope (if your project includes roofing, siding, new windows or doors you must attach supplemental forms 2 Roofing (22-013_2-1), 2 Siding (...) , or 2 Window/Door (22-015_2-3)). Maximum loan term 1 to 15 years.
Form 3
(HVAC) Heating, Cooling and Water Heating Projects Application. Furnace, Air Conditioning and Water Heater Projects. Maximum loan term 1 to 15 years.
Form 4
Lighting Projects Application. Maximum loan term 1 to 15 years if a building improvement; 1 to 10 years if a system improvement. If needed, use the Form 4, Lighting Projects (Excel) Spreadsheet to list lighting improvements on pages 2 and 3.
Form 20
Wind, Solar and Fuel Cell Application. Fuel Cells, Wind, Solar Hot Water and Photovoltaic Systems. Maximum loan term 1 to 10 years.


How do I check the status of my application?

  • Contact your lender. Approval of your loan application is subject to NDEE's commitment of funds. After NDEE reviews your project and reserves funds for your loan, your lender will notify you to proceed with your project.


Will my credit be checked?

  • Credit checks are at your lender’s discretion.


I'm a business customer. How do I know what rate I'm on?


Where do I start?


What if I move? Do I still have to pay?

  • Refer to your lender repayment agreement(s).


Can I also apply for OPPD rebates?

Is there a limit to how much I can borrow?

  • Yes, the Dollar and Energy Saving Loan Program limits are outlined in the Financing Overview chart above. 


What can I use the money for?

  • Eligible measures for the Dollar and Energy Saving Loan Program are outlined in the Eligible Projects section above. 

*Please note that all project-specific requirements for the DESL program can be found on the individual project application forms.


Which lenders participate in this program?

  • Find eligible lenders here. Please note that not all eligible lenders may choose to participate. 


Need help? Here’s who to contact.

  • OPPD is not involved in program administration or determining eligibility.
  • For questions regarding loan repayment, contact your lender.
  • For any other program questions, please contact NDEE:

o Phone: (402) 471-2186

o Toll Free: (877) 253-2603

o Fax: (402) 471-2909