Smart Financing

From HVAC equipment to generators to weather-proofing, Smart Financing offers fast, affordable options for your next home energy project. 

“Comfort and energy efficiency shouldn’t be hard to come by…especially at times when it’s needed the most. That’s when Smart Financing can help.”

Jill Tice, Program Coordinator, Alabama Power



The Benefits of Smart Financing 


Competitive rates Competitive rates

Competitive rates

Whether you have A+ credit or experienced challenges in the past, we offer flexible rate options to fit your budget.
Credit Approval Credit Approval

Fast credit approval

When it comes to keeping your home comfortable, there’s no time to waste. We make the application process simple and easy, so when your application is approved, it is typically processed in as little as ten minutes.
Alabama Power Alabama Power

Trusted name

Alabama Power has been a trusted name and company since 1906. It doesn’t matter if you’re an Alabama Power customer or not, Smart Financing was designed to keep your financial information secure.
Users Users

Anyone can apply

You do not have to be an Alabama Power customer to apply for Smart Financing. We only require the project address be in the state of Alabama.



Ask your preferred service provider about Smart Financing today!





Comfort is within reach

Whether fixing a problem or updating your home, learn why Smart Financing is the best solution for your home energy project. 




Frequently Asked Questions


What products and services qualify for Smart Financing?

HVAC equipment (geothermal, electric, dual fuel, and replacement gas furnaces with AC), weatherization (insulation, air barriers, storm windows and doors, attic ventilation, humidifiers, dehumidifiers, air cleaners, duct cleaning), and standby generators (natural gas fueled, propane fueled, diesel fueled)

Do I have to be an Alabama Power customer to be eligible for Smart Financing?

No, however the address for the project you are requesting financing for must be in the state of Alabama. If you're not an Alabama Power customer but the project address is within the state, we will set up an account for your convenience, solely designated for your project. You will receive bills from this account.

How can I apply for financing?

Contact an approved Smart Financing service provider to apply. Your service provider will then begin the application process. 

Who do I contact if I have further questions?

For questions, contact a Smart Financing Specialist at 1-888-44-SMART.