With Smart Financing, your next home project is handled.

Find a Service Provider

Smart Financing makes financing your home improvement simple and fast.

The Benefits of Smart Financing

When it comes to keeping your home comfortable, there’s no time to waste. Smart Financing makes it easy for you.

Competitive rates

Whether you have A+ credit or experienced challenges in the past, we offer flexible rate options to fit your budget along with fast credit approval.

Trusted name

Alabama Power has been a trusted name and company since 1906. You can rest assured your financial information is secure.

Anyone can apply

You do not have to be an Alabama Power customer to apply for Smart Financing. We only require the project address be in the state of Alabama.

Services We Finance

  • HVAC (Replacement or Conversion)
    • Heat Pump
    • Geothermal
    • Dual Fuel
    • A/C with Gas Furnace

    *Note: Look for additional services to come as we add new and different types of service providers.

    Find a Service Provider

    Frequently Asked Questions

    What is the minimum amount to qualify for Smart Financing?

    $2,000

    What is the maximum amount to qualify for Smart Financing?

    $25,000

    What products and services qualify for Smart Financing?

    HVAC (Replacement or Conversion)

      • Heat Pump
      • Geothermal
      • Dual Fuel
      • A/C with Gas Furnace

    *Note: Look for additional services to come as we add new and different types of service providers.

    How can I apply for financing?

    Contact an approved Smart Financing service provider to apply. Your service provider will then begin the application process.

    Who do I contact if I have further questions?

    For questions, contact a Smart Financing Specialist at 1-888-44-SMART.

    Do I have to be an Alabama Power customer to be eligible for Smart Financing?

    No, however the address for the project you are requesting financing for must be in the state of Alabama. If you’re not an Alabama Power customer but the project address is within the state, we will set up an account for your convenience, solely designated for your project. You will receive bills from this account.

    Can I apply with a co-applicant?

    Yes