Now you can enjoy a whole home of energy efficiency. Upgrade your home’s efficiency, energy performance, and resilience 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.
Loan Terms ➞
- Five to twelve year terms available
- Great low-rates (standard APR from 4.49% to 6.99%)
- Unsecured personal loan (no lien is placed on the property)
- 100% financing available (no money down)
- Fixed monthly payments
- No pre-payment penalty
- Works with rebates and other financing programs
Visit the Connecticut Green Bank website for complete terms.
Financing Available For These Projects ➞
Smart-E loans can be used for over 40 eligible home energy upgrades, such as:
- Insulation
- Heating and Cooling
- Windows
- Solar and Battery Storage
- Water Heating
- Health Safety
Find a list of all eligible measures here.
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.
