RBC Energy Loan
Energy-efficient financing for heat pumps and air conditioners
The RBC Energy Loan is a reliable and recognized financing solution for purchasing and installing an energy-efficient heat pump or air conditioner. Offered by the Royal Bank of Canada , this loan is designed for homeowners who want to improve their home's comfort while managing their budget and reducing their energy footprint.
At AirGreen , we support our clients at every stage of their HVAC project, including guidance towards solid and advantageous financing options such as the RBC Energy Loan.
Why choose the RBC Energy Loan?
This funding program was designed specifically to support residential energy improvement projects.
Main advantages
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Favorable rates
Take advantage of a 1% interest rate discount or a rebate of up to $100 on an eligible residential energy audit, for a fixed-rate loan of over $5,000. -
Flexible terms (5 to 10 years)
The loan term varies between 5 and 10 years , depending on the amount borrowed, allowing you to adapt your payments to your financial reality. -
Simple payment options
Payment options:-
monthly
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semi-monthly
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every two weeks
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weekly
with automatic withdrawal from an RBC account or another banking institution.
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No early repayment penalty
You can make additional payments or repay the entire loan at any time, without penalty . -
Option “Skip a payment”
Option to skip the equivalent of one monthly payment per year (interest continues to accrue). -
LoanProtector® Optional Insurance
Optional protection in case of death, disability or critical illness, offering additional peace of mind.
Products eligible at AirGreen
The RBC Energy Loan can be used to finance:
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the purchase and installation of wall-mounted or central heat pumps
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energy-efficient air conditioners
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Eligible high-energy-efficiency HVAC systems
Our AirGreen experts help you choose high-performance equipment that meets current standards and is compatible with the program requirements.
Energy audit and reimbursement up to $100
How to get an RBC refund
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Choose a certified energy auditor
Select an authorized auditor through the Natural Resources Canada website. -
Audit timing
The audit must be carried out within 90 days prior to loan approval or within 90 days after obtaining the loan. -
Submit the receipt to RBC
Submit the invoice or audit receipt to your RBC branch within 120 days of obtaining the loan .
👉 The refund corresponds to the actual amount charged , up to a maximum of $100 .
Can be combined with other subsidies
After an energy audit, you may also be eligible for:
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federal or provincial government programs
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municipal incentives , depending on your city or borough
Your auditor can submit certain grant applications on your behalf after the work has been validated.
How to apply for an RBC Energy Loan
The application is made directly to RBC:
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By phone : 1-800-769-2511
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In branch : with an RBC advisor
An RBC credit specialist will assess your eligibility and guide you towards the solution best suited to your project.
AirGreen support
At AirGreen Air Conditioning & Heating , we do more than just install high-performance HVAC systems.
We also help you to:
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understand your financing options
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plan a realistic and sustainable project
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maximize available financial and energy benefits
Our team is here to make your transition to energy-efficient comfort simple, clear and without surprises.