Here, you can find responses to the most commonly asked questions we receive. Use the drop-down menu below to select the program or service that interests you, then click the “plus” icon next to any question to read more.
Our on-bill repayment option gives you the flexibility and convenience of being able to pay for home energy efficiency upgrades over a period of time, interest-free. With this option, your monthly PSE&G energy bill will contain repayment installments of equal amounts.
We offer on-bill repayment to customers participating in our HVAC Instant Rebates Program and Whole Home Energy Solutions. For each of these programs, the participating contractor you select can help you determine which specific equipment and installation costs are eligible for on-bill repayment.
Whole Home Energy Solutions
All qualified PSE&G residential customers are eligible for:
All qualified PSE&G residential electric customers are eligible for:
HVAC Instant Rebates
All qualified PSE&G residential customers or Butler Electric customers who receive PSE&G residential gas service are eligible for:
All qualified PSE&G residential electric customers or Butler Electric customers who receive PSE&G residential gas service are eligible for:
First, you should discuss on-bill repayment with your participating contractor, who will apply for it on your behalf prior to starting your project. To qualify, you must have 12 months of continuous, on-time payment history with PSE&G.
If you’ve not yet been a PSE&G customer for 12 months, you still may be eligible for on-bill repayment. Ask your previous gas or electric utility to provide you with a letter of credit (for service within the past 24 months) confirming that your account had 12 months of continuous, on-time payment.
Once we approve you for on-bill repayment, we’ll notify your participating contractor, and they can enroll you.
All payment agreements are between PSE&G and the eligible customer. Please note that the PSE&G account holder at the property where the work is performed must be the customer who signs the agreement.
PSE&G will notify your contractor that you’ve been approved or denied, and they will inform you.
No. We don’t perform credit checks or contact any credit bureaus for additional information in order to gauge your eligibility for on-bill repayment.
Yes. If we initially deny you for on-bill repayment, you may reapply after 60 days.
If you believe you have a valid reason to be reconsidered before then, we have an appeal process to review your application.
All on-bill repayment options are interest-free (0%). On-bill repayment terms pertaining to specific PSE&G programs are as follows:
Whole Home Energy Solutions
Whole Home Energy Solutions offers an on-bill repayment term of 84 months (seven years) for project costs totaling $10,000 or less, or a term of 120 months (10 years) for project costs totaling between $10,001 and $75,000. Income-qualified customers are eligible for a repayment term of 120 months regardless of project costs.
| Project Cost | All Customers | Income-Qualified Customers |
|---|---|---|
| $10,000 or less | 84 months | 120 months |
| $10,001 or more | 120 months | 120 months |
HVAC Instant Rebates
The on-bill repayment terms for customers participating in our HVAC Instant Rebates Program are based on project costs and household income level. Income-qualified customers are eligible for a repayment term of 120 months on project costs greater than $10,000.
| Project Cost | All Customers | Income-Qualified Customers |
|---|---|---|
| $10,000 or less | 84 months | 84 months |
| $10,001 or more | 84 months | 84 months or 120 months |
Eligibility for this incentive is restricted to customers in one of the following groups:
Total household income is less than or equal to 400% of the Federal Poverty Guidelines.
Yes, you may enroll in on-bill repayment multiple times across different projects or programs. However, the maximum amount of credit per account is $75,000.
Yes, you may enroll with each of your PSE&G accounts. Please note that you will be subject to a maximum outstanding balance of $75,000 per account.
If you are enrolled in on-bill repayment, you can either pay the outstanding balance in equal monthly installments over the term of the agreement or pay one lump sum for the full remaining balance at any time.
Please note that once you are enrolled in an installment plan, we cannot accept surplus payments toward the principal of your on-bill repayment balance.
If your account is closed for any reason, the unpaid balance is due and payable to PSE&G within 30 days.
If you have any billing-related questions pertaining to on-bill repayment, please call 1-800-708-9480 to speak to a PSE&G customer service representative.