Financing Energy Saving Improvements

Financing Energy Saving Improvements

Affordable Financing for Energy-Saving Home Improvements

Low-cost financing solutions help you make energy improvements that lower your energy bills and improve the comfort and safety of your home.

Residential Energy Efficiency Loan

Home Energy Solutions (HES) participants may qualify for low interest, fixed-rate unsecured loans up to $3,000. Make your loan payments through your utility bill. Visit the HES Payment Plan (Micro) Loan Financing Program at for details and how to apply.

Smart-E Loan

This program offers no money down, low-interest financing with flexible terms. Over 40 home improvement projects may qualify including installation of high efficiency HVAC, solar PV, insulation, and more. Visit for lenders and details.

Energize CT Heating Loan Program

Natural gas customers may qualify for financing up to $15,000 at a 0.99% interest rate for the purchase and installation of eligible energy-saving heating equipment including boilers, furnaces and electric heat pumps. Repayment is available through your electric utility bill. Apply and learn more at

Energy Conservation Loan Program

Financing of up to $25,000 at interest rates ranging from 0-6% are available to qualified single-family (1-4 units) residential property owners in Connecticut for the purchase and installation of cost-saving energy conservation improvements. Eligible improvements include heating, water heating, window replacement, weather stripping and/or insulation. For more information, visit

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