Mass Save HEAT Loans & Energy Efficient Loans

0% APR Financing for a Smarter Home.

From the humidity of July to the deep freezes of January, New England weather puts your home to the test. SMCU is proud to partner with the Mass Save® HEAT Loan program to offer 0% APR financing on energy-efficient upgrades. Enjoy staying warm in the winter and cool in the summer, without the stress of high interest rates.

Energy-Efficient Upgrades for Every Room

Whether you are looking to lower your utility bills or replace aging equipment, we provide the flexible funding to make it happen. Eligible upgrades include:

• Year-Round Comfort: High-efficiency heating, Central Air, and Ductless Mini-Split Heat Pumps.

• Maximum Efficiency: Attic, wall, and basement insulation to keep the air you pay for inside your home.

• Modern Essentials: ENERGY STAR® certified windows, Wi-Fi thermostats, and high-efficiency hot water systems.

• Renewable Energy: Solar hot water systems for a greener footprint.

The Specifics

• Loan Amount: Available for up to $25,000.
• 0% APR: Enjoy zero interest for the life of the loan.
• Flexible Terms: Repayment terms up to 84 months to fit your monthly budget.
• Eligibility: Available for owner-occupied 1-4 family residences only

Ready To Make your Home More Efficient?

Don’t let the next season catch you off guard. Start your journey toward a greener, more affordable home today with a local team you can trust. Apply Now.

Getting a 0% APR Mass Save® HEAT Loan is 100% easy.

Step 1: Schedule an in-person or virtual Home Energy Assessment through Mass Save® https://www.masssave.com/en/residential/programs-and-services/home-energy-assessments/home-energy-assessments

Step 2. Once assessment is complete, a Mass Save® representative will have determined what improvements are recommended and eligible for financing. The representative will provide a HEAT Loan Intake Form, Program Steps, and Minimum Standards and Requirements.

Step 3: You’ll need to obtain written contractor price proposal(s) for the installation of the improvements and complete the HEAT Loan Intake Form. Then forward those two documents to your Mass Save® HEAT Loan representative. Once approved, you will receive a HEAT Loan Authorization Form.

Step 4: Finalize your Mass Save HEAT® Loan and obtain two-party checks.

Step 5: Get your energy efficient home upgrades on! Once measures are installed, Mass Save® conducts a post-installation inspection on the installed improvements.

Step 6: After satisfactory inspection, sign check over to contractor and any additional rebates are processed.