C4C helps homeowners conserve energy usage and decrease costs through audits, retrofits, and alternative/clean energy improvements.
HES Payment Plan (Micro) Loan
The HES Payment Plan Loan provides low-cost financing for energy efficiency improvements. The objective is to reduce household costs while maintaining healthy, efficient, and comfortable homes.
Save Energy and Money by Improving Your Home's Energy Efficiency with 0% Financing
We can help you finance these improvements with low interest loans made possible through sponsorship by the Connecticut Energy Efficiency Fund in partnership with Eversource, the United Illuminating Company (UI), Southern Connecticut Gas Corporation, and Connecticut Natural Gas Company. Loans may be for $1,000 to $3,000 and funding will be used for conducting qualified improvements/ equipment replacements. Non-listed work directly related and necessary to the installation of the listed qualifying measures may be financed along with the qualifying measures at the applicable interest rate (capped at 20% of the total loan amount).
- $1,000 to $3,000 loan amount
- 0% interest rate
- 3 year (36 months) repayment term
Who is Eligible?
- Eversource and UI electric customers
- Applicants must own a single or 2-4 family home (includes condos, mobile homes, and vacation homes) in the State of Connecticut
- Applicants must participate in the Home Energy Solutions ℠ Program (or call 877-WISE-USE (877-947-3873) to arrange a HES assessment for your home)
- Projects that are underway or completed will not qualify for financing. Please do not schedule your project until after you have received your loan documents
- All work must be completed by a C4C Participating Contractor
The 0% loan is limited to the measures listed below.
High Efficiency Insulation - Must conform to current Home Energy Solutions rebate requirements.
ENERGY STAR® Ductless Heat Pumps - Must meet the EnergizeCT Ductless Heat Pump rebate criteria.
ENERGY STAR® Electric Heat Pump Water Heaters - Energy Factor (EF) 2.4 or greater
ENERGY STAR® Tankless Natural Gas Hot Water Heaters - 0.94 Energy Factor (EF) or greater
ENERGY STAR® Indirect/Combination Water Heaters attached to a natural gas ®boiler - 90% (AFUE) or greater
ENERGY STAR® Natural Gas Condensing Storage Tank - 95% Thermal Efficiency or greater.
Detailed listing of Eligible Improvement Measures
Apply for a Loan
Click here to apply online for a HES Payment Plan loan.
Energy Conservation Loans finance energy conservation improvements for low- and moderate-income single-family (1-4 units) home owners. This program is funded by the Connecticut Department of Housing (DOH) and is administered by C4C. This loan may be used to finance energy efficient home improvements up to $25,000 at below-market interest rates. Zero-percent interest rate loans are available for higher-efficiency boilers and furnaces.
This is an income-restricted program. Please click here for the current income limits by town and household size.
Loan Amount and Term
Single family (1-4 units) homeowners may borrow between $400 - $25,000 for a period of 10 years for eligible improvements.
The following are some of the improvements eligible under the ECL program:
Replacement Heating Systems
- 0% interest for furnaces/boilers that meet efficiency minimum of ENERGY STAR rating for natural gas or > 84% efficiency rating for oil/propane
Automatic Set-Back thermostats
Caulking and Weatherstripping
Replacement Central Air Conditioning Systems
Hot Water Heaters
Secondary Heating Systems (non-electric)
Replacement Windows and Doors
Solar Systems and Passive Solar Additions
Apply for a Loan
Click here to apply online for an ECL loan.
Save Energy and Money by Improving Your Home's Energy Efficiency - Financing from 0.99% - 6.99%
Making your home more weather tight with improved insulation, windows, upgrading to ENERGY STAR® heating and cooling systems, improving the efficiency of your hot water equipment - all of these improvements and more will assist you to reduce your energy consumption and can lower your utility bills. C4C can help you finance these improvements with low interest loans made possible through a partnership with the CT Green Bank.
Loans may be for $500 to $40,000 and funding will be used for conducting qualified improvements/equipment replacements. Non-listed work directly related and necesary to the installation of the listed qualifying measures may be financed along with the qualifying measure at the applicable interest rate (capped at 25% of the total loan amount).
0.99% Gas Conversion Promotional Rate for conversion of your heating system from any other fuel type to a high efficiency Natural Gas boiler or furnace. Loans of $500 to $40,000 with a choice of loan term: 5 years, 7 years, or 10 years are available. Rebates may also be available. Click here to apply online.
0.99% Heat Pump Promotional Rate for installation of any qualifying heat pump technology. Loans of $500 to $40,000 with a choice of loan term: 5 years, 7 years, or 10 years are available. Rebates may also be available. Click here to apply online. Heat pump options include:
Air source heat pump
Ductless mini split heat pump
Ground source heat pump
Heat pump hot water heater
0.99% Energy Efficiency Bundle Loan Promotional Rate for a combination of at least two measures. Loans of $500 to $40,000 with a choice of loan term: 5 years, 7 years, or 10 years are available. An eligible bundle approved by the CT Green Bank must be selected. Rebates may also be available. Click here to apply online.
Who is Eligible?
Applicants must own and occupy* a single or 2-4 family home (includes condos, mobile homes, and vacation homes) in the State of Connecticut
Minimum 580 credit score (Minimum 640 credit score for loan amounts > $25,000)
Applicants for the bundle options must participate in the Home Energy Solutions ℠ Program. You must register online or call 877-WISE-USE (877-947-3873) to arrange a HES assessment for your home. This is NOT required for loans financed with rates between 4.49% -6.99%.
Projects that are underway or completed will not qualify for financing. Please do not schedule your project until after you have received your loan documents from C4C
*If you do not occupy the property, please contact C4C regarding our alternate loan option
Eversource electric customers may elect to have loan payments added to their monthly electric bill
$500 to $40,000 loan amount
0.99% rate available for certain bundled improvements or for natural gas conversions with repayment term 5, 7, or 10 years
Rate/Term options for other improvements:
- 4.49% for 5 years
4.99% for 7 years
5.99% for 10 years (Minimum loan size $5,000)
6.99% for 12 years (Minimum loan size $5,000)
Eligible Improvements (minimum efficiency standards must be met)
All work must be completed by a C4C Participating Contractor
High Efficiency Insulation
High Efficiency Boiler/Furnace
Central Air Conditioning
Ductless Mini-Split Heat Pump
Air Source/Ground Source Heat Pump
Heat Pump Water Heater
Indirect Water Heater (Natural Gas only)
On-Demand Tankless Water Heater (Natural Gas/Propane only)
Solar PV System
Solar Hot Water System
Electric Vehicle Recharging Station
Natural Gas Vehicle Refueling Station
ENERGY STAR® appliances
Tree Removal for Solar Installation
Apply for a Loan
Click here to apply online for a SMART-Eloan.