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The Help My House (HMH) pilot program provided on-bill financing (OBF) for energy efficiency retrofits in 125 homes across eight South Carolina electric cooperatives. The program demonstrated that 'whole house' upgrades—primarily attic insulation, air sealing, and HVAC replacements—could reduce electricity use by an average of 34% (approximately 11,000 kWh per year), with energy savings typically exceeding the annual loan repayments. The pilot achieved a 93% realization rate compared to predicted savings and significantly increased member satisfaction, leading several participating cooperatives to launch their own ongoing OBF programs. While the retrofits reduced coincident peak demand, they had no net impact on the system load factor, suggesting that the simultaneous deployment of load control devices is necessary to improve system efficiency.