Appliance Loans

Howell-Oregon Electric Cooperative's Appliance Loan Program is in cooperation with local businesses in our service area.

Loan Program Guidelines:

  1. The individual who is applying for financing must have a Howell-Oregon meter in their name.
  2. Consumer is required to pay at least 20% down at the time of purchase.
  3. Current interest rate is 12% on the unpaid balance after the 20% has been paid down.
  4. The loan can be financed for 6, 12, 18, or 24 months.
  5. All necessary paperwork is available and will be filled out at the participating dealer.
  6. The payment will be separate from the electric bill and the consumer will receive a separate payment book.
  7. Payments will be due on the 1st of each month.
  8. The maximum loan amount is $1600.00.
  9. The dealer has the authority to approve or deny the loan application.

Appliances financed:

  • Freezers
  • Washers
  • Dryers
  • Electric Ranges
  • Range Hood (only when purchased and installed with a new Electric Range)
  • Microwaves
  • Air Conditioners
  • Electric Water Heaters
  • Trash Compactors
  • High Pressure Sodium Lights / LED outdoor area lights
  • Dishwashers
  • Refrigerators
  • Electric Heater or Electric Fireplace less than $300.00
  • Well Pumps


    West Plains:
    • Howell-Oregon Electric Cooperative, Inc. - phone (417) 256-2131

    Willow Springs:

    • Waggoner Home Center - phone (417) 469-2767

    If you are a local business interested in applying to become a dealer, contact Tracy Brower at 417-256-2131 or 1-888-HOE-POWER.

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