Energize CT Heating Loan Program


Borrow up to $15,000 at an 0.99% interest rate for eligible energy-efficient heating equipment

​Now through October 31, 2017, financing at a 0.99% interest rate, up to $15,000, is available for qualified homeowners for the purchase and installation of eligible energy-saving heating equipment. Repayment through your utility bill makes the process easy. 

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Capital for Change Loan Program​


Capital for Change’s mission is to provide flexible, creative and responsive financial products and services to benefit low and moderate income persons, and minority and otherwise under-served individuals, businesses and communities.

Affordable Housing Lending, Energy Efficiency Lending, Small Business Lending, Loan Servicing, Economic and Community Development Program Management

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​​​Smart-E Loans: Finance Your Next Smart Energy Project


Smart-E Loan offers no money down, low-interest financing with flexible terms to help you upgrade your home’s energy performance – and save money! Over 40 home improvement projects that reduce energy use and lower utility bill costs may qualify. With rates as low as 4.99% applying through a local lender is as easy as child’s play!

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Energy Conservation Loan Program


 Financing at below market rates for single family and multi-family residential property owners.

The Energy Conservation Loan Program (ECL) and the Multi-family Energy Conservation Loan Program (MEL) provide financing at below market rates to single family and multi-family residential property owners for the purchase and installation of energy saving improvements. 

The program is administered by the Capital For Change (formerly CHIF) with funding from the Connecticut Department of Housing (DOH).

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Residential Energy Efficiency Financing Program


 Low or zero interest fixed-rate financing for Home Energy Solutions recommendations.
With up to 12 years to repay these unsecured loans from $1,000 to $25,000, and the ability to make loan payments through your utility bill, financing energy-saving improvements to your home couldn’t be easier. 

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Smart-E Bundles


Temperatures are rising. Cool your home to With a Smart-E Bundle Loan, you can upgrade the comfort of your home with green energy solutions – and save money. Applying is as easy as child’s play, so don’t miss out on this limited time offer to save today! 

With a Smart-E bundle, home energy improvement is child’s play.

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