Sustainable Lending with Credit Human

3/20/2025

3 min

Empowering communities through green financial solutions

Dylan Magoun

General Manager- SustainableHome Lending

We’re all about making a real difference for our members by driving economic, social and environmental changes in our community. Our SustainableHomeTM lending program is at the forefront of this effort by providing our members with innovative financial solutions that align with our core values.
As we continue to reshape our sustainability lending options, we’ve joined the Global Alliance of Banking on Values (GABV) to add more voices and resources toward fulfillment of our vision for communities free of financial stress.

What is Sustainable Home Lending?

Our SustainableHomeTM lending program was born out of a desire to repurpose resources from our indirect merchant financing division (which provided financing for smaller sustainable projects like air conditioning units, hot tubs and playscapes).
Wanting to support homeowners in making their homes more energy-efficient and environmentally friendly led to providing more options for larger projects with solar home lending, geothermal home lending, rainwater harvesting and other home improvements aimed at reducing carbon emissions.

Aligning with Our Values and Mission

Our goal is to help homeowners adopt renewable energy, reduce their carbon footprint and enhance their homes' value and longevity. Equally important is aligning our sustainable home financing with Credit Human's values and mission. By offering fair rates with no hidden fees, we ensure transparency and trust, empowering our members to make environmentally conscious choices that benefit both their homes, the communities they live in and the planet.

Meeting the Needs of Our Members

Our sustainable lending program addresses a wide range of needs, from reducing energy bills to achieving energy independence. In states like Texas, where concerns about the power grid are prevalent, many homeowners are investing heavily in solar and battery backup systems. The 30% federal incentive, which applies to both the system and the battery, is making solar more accessible by offsetting energy bills. This aligns with our mission to create not only financial slack, but energy slack as well. State and local incentives further boost demand, benefiting our members significantly.

"Our efforts have resulted in the reduction of over 11,000 metric tons of CO2, equivalent to planting 170 million trees."

Growth and Collaboration

Since the inception of our sustainable home lending division, we have experienced exponential growth. We began by partnering with smaller credit unions to understand their lending practices and markets. Our initial focus was on Texas, but we quickly expanded to 41 states, helping over 18,000 members reduce carbon emissions. Our efforts have resulted in the reduction of over 11,000 metric tons of CO2, equivalent to planting 170 million trees.

The Role of GABV

The Global Alliance of Banking on Values (GABV) network is a collaborative effort to reduce carbon emissions and promote sustainability in the financial sector. Together, we work towards a common goal of creating a more sustainable future for our communities.
Joining the GABV opens the door to learning from and partnering with other financial institutions so we can share best practices and explore new opportunities for green lending.

Our Commitment

Our commitment to sustainability is evident not just through our sustainability lending, but through our building. Credit Human’s headquarters is located near downtown San Antonio by the Pearl and is among the most energy-efficient buildings in the country. The sustainability of this building allows us to reinvest the money we save back into our membership and the communities we serve, which is another way we are living our mission of helping members build slack and reduce financial stress. Credit Human offers SustainableHome™ financing through participating dealers. Contact us for more information about sustainable home lending.