smart-e loan

Enjoy an energy efficient home
with flexible financing

A Smart-E Loan makes it easy to enjoy a healthy, comfortable, and energy efficient home. We partner with a network of local contractors and lenders to offer low-interest financing with fixed monthly payments to help you upgrade your home’s energy performance.


No money down	Low-interest financing	Easy to apply

smart-e loan

Enjoy an energy efficient home
with flexible financing


No money down	Low-interest financing	Easy to apply

Financing to fit any home energy improvement project

Loan Terms*	5 YEARS	7 YEARS	10 YEARS	12 YEARS
Standard APR	4.49%	4.99%	5.99%	6.99%

Loan Terms	Standard APR*
5 YEARS	4.49%
7 YEARS	4.99%
10 YEARS	5.99%
12 YEARS	6.99%

Don’t miss out on these rates. Get started today!

We have pre-qualified lenders ready to help you finance your next project.

Find a Lender

What home improvements can I finance?

A Smart-E Loan can be used for over 40 home energy improvements, from insulation and energy efficient windows to heat pumps and solar panels. You can also use up to 25% of your loan for non-energy related measures and healthy home improvements, such as new ENERGY STAR® appliances, lead removal, or roof repairs in advance of going solar. (The current maximum loan amount for Smart-E is $40,000.)

See where you can save by selecting a category below.

Who is eligible for a smart-e loan?

To be eligible for a Smart-E Loan, your home must be:

Located in Connecticut
Owner-occupied
A residential building with 1–4 units (condominiums must be individually metered)

Qualification is based on factors including, but not limited to, credit score and debt-to-income ratio (DTI). All final underwriting decisions are made by the lender. Some improvements may require you to complete a Home Energy Assessment before you are eligible for a Smart-E Loan.

How to get started

Step One: Consider having a Home Energy Assessment. This can unlock potential rebates and other savings, and can make your home more efficient and use less energy.

Step Two: Work with your contractor to decide which energy improvements you will add to your home and apply for a Smart-E Loan with a local lender. You can save money on your utility bills, make your home more comfortable, and help the environment!

Step Three: Identify other home improvements that are necessary for an energy upgrade (like repairing your roof before installing solar panels or removing mold and asbestos). These improvements may be eligible for financing, but some related costs can’t exceed 25% of the total loan amount

Step Four: Get approved for financing and get your home ready for energy upgrades. Things like mold or asbestos removal or roof repairs will need to be completed before energy efficiency or other improvements can be started.

Step Five: Enjoy your healthier, more comfortable and more efficient home!