**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 Capital for Change, Inc (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.

Income Limit

This is an income-restricted program. Please Capital for Change, Inc. for the current income limits by town and household size.

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. 

Eligible Improvements

The following are the emergency improvements eligible under the ECL program as of 12/28/2017:

• Replacement of non-operational heating system
  • 0% interest for furnaces/boilers that meet efficiency minimum of ENERGY STAR^® rating for natural gas or > 84% efficiency rating for oil/propane
  • Applicant must not be eligible for alternate heating loan products (Smart-E loan and EnergizeCT  Heating Loan)
• Replacement of leaking roof

The emergency status of the project must be verified by the contractor who will install the replacement, and all work must be completed by a C4C Participating Contractor.

Apply for a Loan

Heating system applicants must apply for a Smart-E loan or an EnergizeCT Heating loan before they will be considered for an emergency ECL loan.

Roofing applicants must contact C4C directly by phone to apply for emergency consideration. Please call 860-233-5165, extension 2002 for more information. Our office hours are Monday - Friday, 9am-5pm.