Energy Efficiency Loans

Energy Conservation Loan (ECL) 

$400 - $25,000

Eligibility:
  • Household income must be at or below the income limit for your town
  • Must own a 1-4 family home in CT (includes condos and mobile homes)                                 **If your property contains 5 or more housing units, please click here for the multi-family program**
  • Must be a CT resident
Key Features:
  • 0% interest rate for high-efficiency boilers/furnaces
  • 100% financing for eligible improvements
  • 10 year repayment term
  • No minimum credit score
  • Special financing options for emergency replacement of red-tagged heating system or leaking roof
  • Expanded energy-efficiency options are eligible (roof, siding, doors, solar, secondary heating systems)

Learn More Apply Here

HES Micro Loan

$1,000 - $3,000

Eligibility:
  • Must be an Eversource or United Illuminating electric customer
  • HES Type 1 Improvements only 
  • Must own a 1-4 family home in CT (includes condos and mobile homes)  
  • Must have good electric payment history
  • Home Energy Assessment required
Key Features:
  • 0% interest rate
  • 100% financing for eligible improvements
  • 3 year repayment term
  • No credit review
  • Payments added to electric bill

Learn More Apply Here

Smart-E Loan

$500 - $40,000

Eligibility:
  • Must own and occupy* a 1-4 family home in CT (includes condos and mobile homes)
  • Minimum 580 credit score (Minimum 640 for loans >$25,000)
  • Home Energy Assessment required for bundle offers only
Key Features:
  • Interest rate options from 0.99% to 6.99%
  • Special 0.99% rate for certain project bundles, natural gas conversions, and heat pumps
  • 100% financing for eligible improvements
  • Repayment term up to 12 years
  • Payments may be added to electric bill (Eversource customers only)
*Please contact C4C for our alternate loan option if you do not occupy the property                     

Learn More Apply Here