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AVAILABLE FINANCING PROGRAMS

Energize CT Heating Loan Program

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0.99% APR and up to $15,000 Financing for new Energy Efficiency Heating Systems

If you are a residential customer of Eversource or The United Illuminating Company (UI), you may be eligible for a low-interest loan to purchase and install an energy efficient heating system.

  • Loan installment payments will be billed conveniently on your monthly electric bill
  • Loan amount of up to $15,000
  • 0.99% APR financing For Residential Heating Equipment Upgrades or Conversions for the life of the loan
  • Low monthly payments on loan terms from 3 to 10 years which will result in a monthly payment equal to or less than your projected monthly energy savings
  • Up to 90% of the heating system equipment and installation may be financed depending on projected energy savings – the greater the savings, the lower the down payment

HES Payment Plan (Micro) Loan

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 The HES Payment Plan Loan provides low-cost financing for energy efficiency improvements. The objective is to reduce household costs while maintaining healthy, efficient, & comfortable homes.

Save Energy and Money by Improving Your Home's Energy Efficiency with 0% Financing


Loans may be for $1,000 to $3,000 and funding will be used for conducting qualified improvements/ equipment replacements. Non-listed work directly related and necessary to the installation of the listed qualifying measures may be financed along with the qualifying measures at the applicable interest rate (capped at 20% of the total loan amount).

TERMS:

  • $1,000 to $3,000 loan amount
  • 0% interest rate
  • 3 year (36 months) repayment term

SMART-E LOAN: Finance Your Next Smart Energy Project

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 Making your home more weather tight with improved insulation, windows, upgrading to ENERGY STAR® heating and cooling systems, improving the efficiency of your hot water equipment - all of these improvements and more will assist you to reduce your energy consumption and can lower your utility bills. C4C can help you finance these improvements with low interest loans made possible through a partnership with the CT Green Bank.

Loans may be for $500 to $40,000 and funding will be used for conducting qualified improvements/equipment replacements. Non-listed work directly related and necessary to the installation of the listed qualifying measures may be financed along with the qualifying measure at the applicable interest rate (capped at 25% of the total loan amount).

ECL LOAN - Energy Conservation Loan Program

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**Effective 12/28/2017, the ECL loan program is limited to emergency situations only (non-working heating systems and leaking roofs). Applicants must be ineligible for other programs in order to qualify for an emergency loan**

Energy Conservation Loans finance energy conservation improvements for low- and moderate-income single-family (1-4 units) home owners. This program is funded by the Connecticut Department of Housing (DOH) and is administered by C4C. This loan may be used to finance energy efficient home improvements up to $25,000 at below-market interest rates. Zero-percent interest rate loans are available for higher-efficiency boilers and furnaces.

Loan Amount and Term

Single family (1-4 units) homeowners may borrow between $400 - $25,000 for a period of 10 years for eligible improvements..

LANDLORD LOAN

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 Save Energy and Money by Improving Your Investment Property's Energy Efficiency with low-cost financing

Making your property more weather tight and energy efficient will assist you in attracting tenants, reducing the property’s energy consumption, and lowering utility bills.

Loans may be for $3,000 to $40,000 and funding will be used for conducting qualified improvements/ equipment replacements. Non-listed work directly related and necessary to the installation of the listed qualifying measures may be financed along with the qualifying measure at the applicable interest rate - (capped at 20% of the total loan amount).

Loan Terms:

$3,000 to $40,000 loan amount
4.49% - 6.99% interest rate
5-12 year repayment term

Eligible

Applicants must own a single or 2-4 family home (includes condos, mobile homes, and vacation homes) in the State of Connecticut
Projects that are underway or completed will not qualify for financing. Please do not schedule your project until after you have received your loan documents

NEIF LOAN - NATIONAL ENERGY IMPROVEMENT FUND

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Fast, Simple, Low Monthly Payment Plans for Home Energy Improvements

The National Energy Improvement Fund (NEIF) is mission-based public benefit lender which specializes in longer term, affordable monthly payment plans for energy-saving improvements

  • Heating & Cooling
  • No pre-qualified equipment! This means that YOU choose the right equipment/system to fit YOUR needs and YOUR budget!
  • No lien on your home
  • No penalties for prepayment
  • Credit based financing

NEIF works with states, utilities, green banks and other program partners to provide rates and terms that are not typically available from other banks or lenders.