Available Products
Climate First Bank is an integrated financier offering residential solar loans through their technology platform, OneEthos. Climate First Bank loans currently have no dealer fees.
Residential Solar Loans:
7.50% interest rate with autopay / 7.75% without autopay
30-year term
Minimum loan amount: $10,000
No maximum loan amount (loans of $125,000 or more require full underwriting)
No payments for the first 6 months
Products and rates pull via API. An org admin can sync the latest available products at any time by navigating to Settings > Pricing > Finance Options > Climate First Bank and clicking Sync.
What Climate First Bank Will and Won't Finance
Climate First Bank will finance solar systems as well as several common add-ons:
Solar systems
Roof replacement
Battery storage
Ground mounts, pergolas, and carports
HVAC (requires manual review)
Tesla Solar Roofs (requires manual review)
The following items are not eligible for financing:
Water heaters
Pool pumps
Generators
Home improvement items (windows, doors, attic fans, gutters, full structural upgrades)
Tree trimming or removal
Approved Vendor List (AVL)
Climate First Bank requires that all solar panels, inverters, and battery storage used on financed projects come from brands on their Approved Vendor List. The AVL is enforced for any loan application submitted on or after April 15, 2026. Existing projects submitted before that date are not affected.
The full AVL can be found at www.oneethos.com/avl.
To request that a brand be added to the AVL, use the form at the link above. Allow up to 60 days for review. Brands that are currently in the review process will continue to be accepted during that period.
💡 Note: When submitting a loan application on or after April 15, 2026, the brand name for all solar panels, inverters, and battery storage must be included on the contract. Applications using brands not on the AVL will not be accepted.
Smart Pulls Requirement
Unlike other integrated financiers, Smart Pulls must be enabled for the Climate First Bank integration to function. Smart Pulls run a soft credit check that helps pre-qualify the homeowner before the deal progresses, speeding up the approval process and flagging deals with poor credit or high debt-to-income ratios early.
If your org does not have Smart Pulls enabled, contact your Enerflo admin or Partner Success Manager.
Sales Rep Credentials
Each sales rep assigned to a Climate First Bank deal must have a corresponding email in the OneEthos portal. If the email on the rep's Enerflo account differs from their OneEthos account, they will need to add the correct email in their integration settings:
Navigate to Settings > Org > Users and search for the rep.
Click into their profile and open the Integrations tab.
Locate the Climate First Bank settings and enter the correct email address.
Available States
Climate First Bank currently serves the following states: Arizona, Arkansas, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Vermont, and Virginia.