Four County

Heat Pump Financing & Dealers

Four County offers the Comfort Loan program to qualifying members to aid in the purchase of a new heat pump. Comfort loans can also be used to make energy improvements in homes.


What items can be financed through the comfort loan program?

  • Insulation
  • Replacement of existing heating and/or cooling system(s) with all-electric high-efficiency heat pump or central air conditioning unit


How much money is available through the comfort loan and what is the interest rates?

  • Maximum amount for an all-electric high-efficiency (14 SEER) heat pump or central air conditioning unit is $6,500 at 6% interest.
  • Maximum amount for an all-electric high-efficiency (15 SEER) heat pump or central air conditioning unit is $6,500 at 5% interest.
  • Maximum amount for an all-electric high-efficiency (16 SEER or higher) heat pump or central air conditioning unit is $6,500 at 4% interest.

Heat Pump Rebates

  • Heat pump rebates are available for any member that installs a 16 SEER or greater heat pump. This applies to new construction or retrofits. The rebate is $100 per ton. Proof of purchase is required in order to receive the rebate.

How do I qualify for a comfort loan?

  • Property must be the member's primary residence
  • Property on which the improvements are to be made must be titled in the member's name
  • Residence must be on a solid foundation
  • Good credit standing with credit bureau


What Requirements Must I Meet?

  • All Four County EMC accounts must be current and have no actual disconnections of service
  • Credit report shows (1) no unsatisfied judgments against the customer; (2) no bankruptcy filed in the past seven (7) years
  • Must have an active FCEMC account for last 12 months.


How Do I Get Started?

  • Contact your Four County Office at 1-888-368-7289 and tell them you're interested in a Comfort Loan
  • A Marketing Representative will give you details
  • A Marketing Representative will visit your home to discuss information required and improvements that may be needed, as well as provide you with a Heat Pump Pro List
  • Loan will be processed and you will be notified of approval within 48 hours
  • Energy improvements can be installed by the home owner
  • Completed energy improvements will be inspected by the Energy Marketing Representative
  • A 2-party check(s) is prepared and forwarded to the customer


How Long Will I Have to Repay the Loan?

  • Up to 60 months to repay
  • Minimum monthly payment - $25.00

Can I Repay the Loan Early?

  •  Yes, with no added fee. 

For a list of local, authorized heat pump specialists, click on the link below.

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Heat Pump Dealer List



© 2017 Four County Electric Membership Corporation
Four County Electric Membership Corp. 1822 NC Hwy. 53 West, Burgaw, NC 28425 (T) 888.368.7289 (F) 910.259.1860
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