Pay As You Save

Is it right for you?

Pay As You Save is a specialist UK home improvement loan, there to cover the gap between a new boiler for example and an ECO grant. Its a top-up loan.

Pay As You Save is a trading style of City Energy Network Ltd, an award winning company helping customers reduce their energy bills. We stand out from the crowd by concentrating on markets where our specialist knowledge and personalised approach to underwriting offer us a competitive advantage.

Our customer’s best interests are at the heart of our business and we pride ourselves in assisting consumers who are let down by traditional high street banks. We pride ourselves on our customer service and customer satisfaction levels, and we’re always looking to put our customers at the heart of what we do.

Why choose 

Spread the Cost

Our flexible finance plans include ECO grant funding and require no upfront payment whatsoever. Fixed for the duration of up to 20 years. Loans are offered for no more than 1/3rd of the installation value and exclusively offered as a top up to customers where the ECO grant funding does not stretch far enough to cover the full cost of the installation. 

No Hidden Charges

Our fixed-price quote includes an installation that suits your home and your budget, professional installation and everything else you need. No hidden extras with repayments commencing once the installation has been completed.

Reduce Energy Bills

Upgrading your heating or installing one of our insulation solutions could save you a significant sum on your energy bills for years to come. An expenditure that repays you with savings year on year. 

Representative Example 1

Gas Boiler Replacement, Interest Bearing

Cash price of installation£2,250.00
Grant Funding£1,750.00
Loan amount£500.00
Term of loan12 months
Monthly repayment£44.96
Total amount repayable£539.50
Rate of interest (fixed)*7.9%
Representative APR15.3%

*Subject to Status

Representative Example 2

Solid Wall Insulation & Roof Space Insulation, Interest Free

Cash price of installation£19,934.00 
Grant Funding£14,182.00 
Loan amount£5,752.00
Term of loan20 years
Monthly repayment£23.96
Total amount repayable£5,752.00
Rate of interest (fixed)*0%
Representative APR0%

*Subject to Status

Why choose us?

All our installs are carried out by our experienced and highly skilled teams of installers. You can be assured that your heating solution, insulation product or renewable energy installation will be fit to the highest possible standard.

What Next?

If you feel PAYS is the right fit for you, call us on 02922 331985, find us on Alternatively if you’d like more information in writing then send us an email to and we’ll get back to you with any further information you need.

City Energy acts as a lender for Pay As You Save consumer credit loans. City Energy is authorised and regulated by the Financial Conduct Authority (registration number 718868) to be able to arrange finance for your purchase.  You can check our credentials at

We can only provide you with information, not advice, and all credit applications are subject to status. We are not financial advisers and so are unable to provide you with independent financial advice.

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