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energy efficency
Zero-Interest Fixed-Rate Financing for Home Energy Solutions Recommendations
0% Interest
  • Financing
  • Gas Water Heating
  • Heating & Cooling
  • Help for Income Eligible
  • Hot Water
  • Insulation
  • Renewable Energy

With up to 3 years to repay these 0.0% loans from $500 to $3,000, and the ability to make loan payments through your utility bill, financing energy-saving improvements to your home couldn’t be easier.

Additional Details

If you have been impacted by the COVID-19 crisis and need to defer your loan payments for this program, please contact your electric utility. Eversource customers should call 1-800-286-2000 and UI customers should call 877-WISE-USE (1-877-947-3873).

It’s never been easier to pay for energy-saving home improvements. Zero-interest loans let you upgrade your home and enjoy lower energy costs right away.

Loans may be for $500 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 measure at the applicable interest rate - (capped at 20% of the total loan amount).

Loan Terms:

  • $500 to $3,000 loan amount*
  • 0% interest rate**
  • 3 year (36 months) repayment term

Who is Eligible?

  • Eversource and UI electric customers
  • Applicants must own a single or 2-4 family home (includes condos, mobile homes, and vacation homes) in the State of Connecticut
  • Applicants must participate in the Home Energy Solutions ℠ Program  (Call 877-WISE-USE (877-947-3873) to arrange a Home Energy Solutions assessment for your home) 
  • 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

Participating Contractors

Visit Capital for Change, Inc (formally called Connecticut Housing Investment Fund) for a list of participating contractors.

How to Apply

Apply online at Capital for Change, Inc for a 0% HES loan

Type 1 Improvements

The 0% loan is limited to the measures listed below. 

  • High Efficiency Insulation - Must conform to current Home Energy Solutions rebate requirements. 
  • ENERGY STAR® Ductless Heat Pumps - Must meet the EnergizeCT Ductless Heat Pump rebate criteria.
  • ENERGY STAR Electric Heat Pump Water Heaters - Energy Factor (EF) 2.4 or greater
  • ENERGY STAR Tankless Natural Gas Hot Water Heaters - 0.94 Energy Factor (EF) or greater.
  • Indirect/Combination Water Heaters attached to a natural gas ENERGY STAR® boiler - 90% (AFUE) or greater.
  • ENERGY STAR Natural Gas Condensing Storage Tank - 95% Thermal Efficiency or greater.
  • Visit Capital for Change, Inc  for a detailed listing of Eligible Improvement Measures

To learn more about the financing program and how to apply, visit the Capital for Change, Inc website. 

* Subject to credit approval by Capital for Change, Inc.

**Interest rate of loan is based on the qualifying measure being financed.

Call 877-WISE-USE (877-947-3873) for more information. 

If you’re a Connecticut resident and a residential customer of UI or Eversource you could be eligible. To participate, you must own and occupy a single-family home or a multifamily home up to four units, including condos. Vacation homes also qualify.

To qualify for financing, your home improvements must be recommended through the Home Energy Solutions program and be installed by an approved contractor.

To learn more about the financing program and how to apply, visit the Capital for Change, Inc  website. 

If you are a Connecticut resident and are not served by one of the utilities listed above, please visit your municipal utility's website to see what energy efficiency programs are available to you.