Residential Financing

Michigan Saves Financing

All across the state, homeowners have realized greater health and safety protections, energy and money savings, and improved comfort through Michigan Saves’ Home Energy Loan Program.

We offer eligible homeowners unsecured, personal loans for prequalified energy measures or improvements recommended by a whole-home energy assessment.

We partner with authorized residential lenders to offer competitive, low-interest financing up to $40,000. Homeowners are eligible for interest rates ranging from 4.25% to 7% APR, though most customers finance at 5.50% APR.

Flexible terms up to twelve years are available with no penalty for early repayment. Actual rates, terms, and loans amounts are dependent on the lender selected and the borrower’s creditworthiness.


Dort Federal logo
DortCredit is a convenient option for obtaining a personal loan for payments towards participating retailers for everything from medical procedures to home repairs. [Note: DortCredit is not a credit card or line of credit]
Applying for DortCredit Point of Sale Financing only takes a few minutes and you’ll get a credit decision almost immediately.
DortCredit Point of Sale Financing offers the following loan options:
Installment Loans – with fixed rates, fixed terms and fixed monthly payments.*
Dort Federal Credit Union Platinum Visa Card – beyond the original purchase at your provider, use this card anywhere that accepts Visa.
You may even qualify for a 0% rate for 6, 12, 18 or 24 months!**
* Subject to credit approval. See providers for details.
** Subject to approved excess availability and those who qualify for the 0%
Incentive Offer. Some providers may not offer 0% Incentive Loans. Be sure to ask your provider what options they offer through DortCredit Point of Sale Financing.

Need HVAC Service?

Contact the experts at Kapala Heating & Air Conditioning.

Call us at 810-664-8865!

Kapala Heating & Air Conditioning proudly provides HVAC service to Almont, Columbiaville, Hadley, Imlay City, Lake Orion, Lapeer, Metamora, North Branch, and Oxford, MI, and the surrounding communities. Visit our service area page for more coverage details, call us at 810-664-8865, or request service online today.