Terms & Conditions

Customer Eligibility

1. At the time of application, Customers must 1) have been a Lakeland Electric customer for at least one year and 2) hold either a Good or Excellent credit rating with Lakeland Electric. You can obtain your credit rating by contacting Customer Service at (863) 834-9535.
2. Customers must be both 1) the property owner of record as listed by the Polk County Property Appraiser of the property to be upgraded, and 2) a full-time resident of the property to be upgraded.
3. Customers must grant the City of Lakeland a lien on the property to be upgraded until the loan is paid in full.
4. Customers agree to pay an application fee ranging from $63 to $80, to be assessed on your next Lakeland Electric utility bill. This fee will be assessed regardless of whether the Customer is actually approved for the loan or ultimately receives a loan.

Loan Funds

1. Must be completely used for an Eligible Upgrade as specifically listed below.
2. May not exceed the total cost of the project:
    Any direct financial incentives or rebates must be deducted from the total cost of the project and are ineligible for financing, excluding non-refundable tax credits.
3. May only be used for measures that meet all state or local building code requirements, and have all appropriate labeling required (such as NFPA for fire protection, ASME for pressure vessels, OMNI for fireplace inserts, etc.).

Customer understands, agrees, certifies, and consents:

1. That all information contained in this Application is true and accurate.
2. That loan funds will be provided on a first-come basis to eligible Customers. In the event Customer demand for loans exceeds funding availability, Customer understands that priority will be given to customers whose average monthly energy consumption for the past year exceeds 1,500 kWh.
3. To meet all program Timelines. Customers MUST:
Submit a project proposal by a qualified contractor to Lakeland Electric within one (1) week of submitting your Program Application, but ideally with your program application (for the Contractor Direct-Install Option)


Be available to meet with the City Attorney’s Office to sign Loan Documents within one (1) week of submitting your project proposal
Have work completed, notify the Chief Sustainability Officer, and be available for a post-installation inspection within two (2) weeks of signing your Loan Documents


4. That Customer will hold the City of Lakeland, Lakeland Electric, its agents, invitees, contractors and employees harmless from all suits, actions, claims, demands, damages, losses and other reasonable expenses, including attorney’s fees to which it may be subjected to in the event of any of the following: (i) if Customer’s energy consumption and/or energy bill is not reduced by the anticipated amount or experiences an increase; (ii) negligence of work completed by a contractor; (iii) inability to repay any financing, including to a third party lender; (iv) failure to take advantage of all credits, rebates, or other incentives; (v) any project costs that exceed the total amount of the loan available from Lakeland Electric; (vi) any negligence of the Customer, its agents, guests, invitees or contractors arising from and/or in connection with this Program.
5. To monthly repayment of the zero-interest loan offered by Lakeland Electric as a line-item on Customer’s Lakeland Electric bill in the amount of $100 per month. In the event any payments received by Customer are insufficient to cover the total amount owed on