Is Roanoke Cooperative “loaning” me money?

No. Roanoke Cooperative invests in your home’s energy efficiency by paying the upfront costs. Upgrade to $ave is not a loan program but a tariff-based program. No application is required and no credit check. Roanoke Cooperative will recover the upfront costs through a fixed charge (tariff) on your bill that is significantly less than the estimated savings. The monthly tariff will start 45 days after the work is completed.