On-bill repayment stays with the meter, with no lien and no prepayment penalty

It stays with the meterSell the house and the buyer takes over the payments. CCEF
No lien on your homeA notice goes on the county record instead, and another at payoff. CCEF
No prepayment penaltyPay off the whole balance in one payment, any time. Xcel tariff
$0 down, fixed rate4.50–5.49% APR, one set amount on your Xcel bill. CCEF

Send photos for a price and payment If you sell, rent or miss a payment

Two Bosch heat pumps on risers beside a two-story stucco house with a tile roof and a wide lawn

On-bill repayment vs a loan or store card

Sources: CCEF, RENU rate sheets, Wells Fargo card terms.

ClearPath On-Bill4.50–5.49%
Fixed for the whole term.
RENU credit union loanfrom 6.99%
Needs a credit score of 580 or more.
Store-card promo plan28.99%
Charged from the purchase date if the promo isn’t paid off in time.

What happens if…

I sell the houseThe buyer takes over the payments unless you pay it off at closing.I rent it outIt stays on the meter. Who pays once a tenant has the account isn’t published.I miss a paymentXcel’s normal collection steps apply, and a shutoff is possible.I pay it off earlyAny time, in one payment, with no penalty.ForeclosureNo published answer. Ask CCEF.I inherit the houseNo published answer. Ask CCEF.The equipment failsThe repair is your installer’s job. Whether payments pause isn’t published.

A Bosch heat pump on a stand against a red brick wall

Ownership, rebates and PUC approval

The equipment is yoursYou own it from the day it’s installed. CCEF
Rebates come off firstClearPath covers what’s left after Xcel’s rebates. Xcel
Approved by the PUCColorado’s utility regulator approved it on November 26, 2025. C25-0850

Risks and open questions

A 2% fee: CCEF adds it to the balance.
Selling the house: You have to tell buyers about the balance.
Missed payments: CCEF says they can lead to collections or a shutoff.
Renters: A Denver court is reviewing whether a landlord may pass the charge to a tenant. The case
No published answer: CCEF hasn’t said what happens in a foreclosure, an inheritance or a refinance. Ask at (720) 263-2313.

Send photos for your price and monthly payment

We send back the price after rebates and each ClearPath term’s monthly payment, if CCEF approves you. We’re an authorized ClearPath contractor. Photos don’t start an application.

Equipment labels and a photo of the electrical panel with the door open help, too. Leave covers in place.

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