​​​Smart-E Loans: Finance Your Next Smart Energy Project

​​​​Energy Conservation Loan Program

A Smart-E Loan offers no money down, low-interest financing with flexible terms to help you upgrade your home’s energy performance – and save money! Over 40 home improvement projects that reduce energy use and lower utility bill costs may qualify. With rates as low as 0.99% applying through a local lender is as easy as child’s play!

​​​​Energize CT Heating Loan Program

Residential Energy Efficiency Financing Program

Our Service Area Includes

C.H.I.F Loan :  Energy Conservation Loan Program​ 


Low or zero interest fixed-rate financing for Home Energy Solutions recommendations.

With up to 12 years to repay these unsecured loans from $1,000 to $25,000, and the ability to make loan payments through your utility bill, financing energy-saving improvements to your home couldn’t be easier.

Have More Questions? Learn More About the Easy Financing Program Available From Energize CT by Visiting; capitalforchangeapp.org/

With a Smart-E bundle, home energy improvement is child’s play.
For a limited time, we’re offering special smart energy bundles.  Choose a Smart-E bundle to take advantage of rates as low as 2.50% to 2.99% for 10 years! Smart-E Loans are affordable and easy, and applying through a local lender is simple.

Borrow up to $15,000 at an 0.99% interest rate for eligible energy-efficient heating equipment

​Now through October 31, 2017, financing at a 0.99% interest rate, up to $15,000, is available for qualified homeowners for the purchase and installation of eligible energy-saving heating equipment. Repayment through your utility bill makes the process easy.

The Energy Conservation Loan Program (ECL) and the Multifamily Energy Conservation Loan Program (MEL) provide financing at 0% APR to single-family and multi-family residential property owners for the purchase and installation of cost-saving energy conservation improvements. The program is administered by the Connecticut Housing Investment Fund, Inc. (CHIF) with funding from the Connecticut Department of Housing (DOH). Applicants must be residents of the State of Connecticut.​

Your energy loan may qualify for a rebate!

Borrow up to $25,000 for energy efficiency improvements. Loan terms up to 10 years.

​​This income-restricted program offers below market interest rate terms for the purchase and installation of cost-saving energy efficient improvements for single or multi-family homes.

EASY Financing Now Available!

​​​​Smart-E Bundles


Waterbury - Watertown - Wolcott - Naugatuck - Middlebury - Southbury - Woodbury - Prospect Cheshire - Beacon Falls - Bethlehem - Bristol - Meriden - Morris - Plainville - Plymouth - Oxford - Roxbury Seymour - Shelton - Southington -Terryville - Thomaston - Torrington