Mass Save HEAT Loans & Energy Efficient Loans

Year-Round Comfort, 0% Interest Financing.

  • Lower Energy Bills
  • Mass Save® Partner
  • Boost Energy Efficiency
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Owner occupied homes only.

0% APR Financing for a More Efficient 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 Mass Save® 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.

 

A Variety of Energy-Efficient Upgrades

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

0% Financing Up to $25,000 total:

  • Weatherization

  • Pre-weatherization barriers

  • ENGERY STAR certified replacement windows*

  • Residential batteries enrolled in ConnectedSolutions

  • Heat pump projects

  • Heat pump water heaters

*Must be in conjunction with completed weatherization recommendations.

Note: The maximum load amount is over the lifetime of a customer's energy efficiency upgrades. Eligible energy efficiency measures can be finances until the maximum loan amount is reached/

 

The Specifics

  • Loan Amount: 0% Financing available up to $25,000 total.
  • 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.

 

  1. Confirm Eligibility

    View the Eligibility Tab to confirm the eligible requirements.

  2. Complete a no-cost Home Energy Assessment

    Certain measures require completing Home Energy Assessment (HEA) through Mass Save to understand your home’s existing condition and identify any requirements that need to be addressed first. A HEA is mandatory if you plan to pursue any of the following:

    • Whole Home Heat Pump
    • Partial Home Heat Pump (when pursuing bonus incentives)
    • Windows
    • Weatherization
    • Weatherization Barriers

    For all other financeable measures, an HEA is not required, though it is recommended as it may help identify additional opportunities for savings.

  3. Find a Participating Contractor

    Choose a participating contractor for your energy efficiency project. Make sure to get a signed proposal from the contractor on their official letterhead. We recommend getting multiple quotes from licensed and insured contractors before making your choice.

  4. Complete Your Loan Application

    Submit your application online. You will need to include your signed contractor proposal and any additional required documentation. If your project meets the eligibility requirements, you will receive an Authorization Form.

    Apply or Check Application Status

    Customers in North Attleboro, submit your application here.

  1. Secure Your Loan 

    Submit your completed Authorization Form to a selected participating lender. If approved, the lender will provide you with a two-party check made payable to you and your contractor.

  2. Complete Upgrades & Apply for Rebate

    Once your energy efficiency project is complete, you can pay your contractor by signing over the bank check from the lender. Visit MassSave.com/savings to apply for any available rebates.

  3. Complete a Verification Inspection

    Call 866-527-SAVE (7283) for details on completing this required verification.

Apply Now