Smart-E Loans

Standard APR from 4.49 to 6.99 Loan program for customers making energy-efficient improvements, including HVAC and water heating equipment, and clean energy (renewable) technologies.

Smart-E Loans

Standard APR from 4.49 to 6.99 Loan program for customers making energy-efficient improvements, including HVAC and water heating equipment, and clean energy (renewable) technologies.

Smart-E Loans

Standard APR from 4.49 to 6.99 Loan program for customers making energy-efficient improvements, including HVAC and water heating equipment, and clean energy (renewable) technologies.

Smart-E Loans

Standard APR from 4.49 to 6.99 Loan program for customers making energy-efficient improvements, including HVAC and water heating equipment, and clean energy (renewable) technologies.

Smart-E Loans

Standard APR from 4.49 to 6.99 Loan program for customers making energy-efficient improvements, including HVAC and water heating equipment, and clean energy (renewable) technologies.

Now you can enjoy a whole home of energy efficiency. Upgrade your home’s efficiency and energy performance with a no money down Smart-E Loan with flexible terms. Realize more savings and comfort when bundling multiple home energy improvements. The more you do, the more you save.

What is a Smart-E Loan?

A Smart-E Loan is financing offered by The Connecticut Green Bank – in partnership with Eversource and UI, CNG and SCG, proud sponsors of Energize ConnecticutSM, and select local lenders and contractors. It offers long-term, low-interest financing to help you upgrade your home’s energy performance with no money down.

These unsecured loans offer you great low-rates and can be used for over 40 eligible home energy upgrades.

For questions regarding the Smart-E Loan Program, please email or call 860-357-5676.

 

Loan Terms ➞

  • Five to twelve year terms available
  • Standard APR from 4.49% to 6.99%
  • Unsecured personal loan (no lien is placed on the property)
  • Fixed monthly payments
  • No pre-payment penalty


Visit The Connecticut Green Bank website for complete terms.

 

Loan Available For These Measures ➞

Home Performance/Efficiency

  • Attic, wall, or floor insulation
  • Duct sealing
  • Air sealing
  • Window replacement

Heating and Cooling

  • Air source heat pump
  • Ground source heat pump
  • Central air conditioning
  • Ductless mini-split heat pump
  • High efficiency furnace / boiler
  • Steam boiler

 

Water Heating

  • Heat pump water heater
  • Indirect water heater - natural gas
  • On-demand tankless water heater

Renewables

  • Solar PV system
  • Solar battery storage
  • Solar hot water
  • Electric vehicle recharging station

Health and Safety

  • Asbestos removal
  • Mold remediation

Related Energy Improvements

  • ENERGY STAR appliances
  • Roof repair for solar
  • Tree removal for solar
  • Conversion to natural gas

 

 

Eligibility ➞

You can apply for this loan if your property is:

  • Located in Connecticut
  • Owner-occupied
  • Is a 1-4 unit residential building
  • Individually metered if it is a condominium

 

How To Get Started ➞

Find a Contractor to discuss your energy improvements. If your contractor is not on the approved list, they should contact smarte@ctgreenbank.com for Smart-E training. Using multiple contractors? Select one to act as your general contractor. They will help facilitate this process for you.

Select your home energy upgrade. Your contractor will work with you to be sure the improvements meet our eligibility requirements. 

Get pre-approved by a participating lender. Apply directly with your selected lender before your contractor begins the project.

Close your loan with your lender. Your lender will reach out to schedule a loan closing once the project is approved.

Participating Contractors ➞

Get Started Now

Learn more about this financing program and how to apply.

Learn More and Apply