Member Loan Program

Are you ready to replace that tired, old heating and cooling unit that runs up your bill? Are you looking into measures that will make your home more energy efficient? SSVEC’s Member Loan Program was designed to assist SSVEC Members in making their homes more energy efficient, comfortable, and affordable

Loans Available:


Heat Pump Loans – Members can make payments for as little as 12 months or as long as 84 months. SSVEC will never charge prepayment penalties for early payoff of our loans. There is a $2000 minimum loan amount.

Energy Efficiency Upgrade Loans Terms are 36 months for loans from $2,000 to $10,000 and 72 months for loans $10,001 to $20,000.


Qualifying individuals will have been an SSVEC member for at least one year with no more than 2 delinquencies in the last 12 months. SSVEC will also run a credit report to verify credit worthiness.

Application Procedures

Fill out the Member Loan Application form and submit to your local SSVEC office. Attach a copy of the estimate from the contractor, including name brand and model number, and a copy of your Deed of Trust for the real property. Applications can also be mailed to:

Attention: Marketing
311 East Wilcox Drive
Sierra Vista, AZ 85636

A Member Loan Representative will contact you upon receipt of your application.

Fees and other Information

The Member Loan Representative will notify you of the date you will be signing your papers and collecting the check. The application process takes two to three weeks. A $20.00 processing fee is due and payable at the time the loan papers are signed. A $71.00 recording fee will also be due and payable at the time the loan papers are signed.

The Member Loan Program is designed to assist qualifying members improve the energy efficiency and comfort of their homes. Although not a requirement for a loan, we encourage members to speak to an SSVEC Energy Management Specialist to determine energy needs before purchasing heating, ventilation, or air conditioning equipment. Please call your local SSVEC office for more information.

Willcox – 384-2221
Sierra Vista – 458-4691
Benson – 586-2238
Patagonia – 394-2051
Elfrida – 642-3475
Cascabel – 212-6001
San Simon – 845-6000
Bowie – 847-6000
Sunsites / Pearce – 826-6000
Sunizona – 824-6000