0% Interest Financing

Through the Mass Save HEAT Loan Program, you may be eligible to receive 0% financing up to $25,000 for qualifying energy-efficiency upgrades. If you are installing heat pump(s), you may qualify for 0% financing up to $50,000 for qualifying energy-efficiency upgrades. Please reference details within the chart below as well as the HEAT Loan Packet for complete eligibility details.

* Up to $50,000 when installed in conjunction with a program eligible heat pump project.
**Must be in conjunction with completed weatherization recommendations.
Note: The maximum loan amount is over the lifetime of a customer’s energy efficiency upgrades. Eligible energy efficiency measures can be financed until the maximum loan amount is reached.

1. Confirm Eligibility
   

   View the Eligibility Tab to confirm the eligible requirements.

2. Find a Participating Contractor
   

   Choose a participating contractor for your energy efficiency project. Make sure to get a signed proposal from the contractor on their official letterhead. We recommend getting multiple quotes from licensed and insured contractors before making your choice.

3. Complete Your Loan Application
   

   Enter your zip code and heating fuel type below to start your application. You will need to include your signed contractor proposal and any additional required documentation. If your project meets the eligibility requirements, you will receive an Authorization Form.

4. Secure Your Loan 
   

   Submit your completed Authorization Form to a selected participating lender. If approved, the lender will provide you with a two-party check made payable to you and your contractor. View the Participating Lenders Tab for a list of lenders who are offering loans up to $50,000.

5. Complete Upgrades & Apply for Rebate
   

   Once your energy efficiency project is complete, you can pay your contractor by signing over the bank check from the lender. Visit MassSave.com/savings to apply for any available rebates.

6. Complete a Verification Inspection
   

   Call 866-527-SAVE (7283) for details on completing this required verification.
   For more information, please click here.

• The HEAT Loan is available to qualified customers participating in the Mass Save Program
• Loan applicant must be the homeowner
• Residents must have a current residential electric or gas account with Berkshire Gas, Cape Light Compact, Eversource, Liberty Utilities, National Grid, or Unitil
• Municipal electric customers can take advantage of the HEAT Loan offer if their home is heated with natural gas, provided by a Mass Save Sponsor
• Financing is only available for qualifying energy-efficient improvements outlined within the HEAT Loan Guide
• Financing is contingent upon loan approval from a participating lender

To view a complete list of participating lenders, click here. Lenders who are offering loans up to $50,000 are listed below.