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.
Save Energy and Money by Improving Your Home's Energy Efficiency - Financing from 4.49% - 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).
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)
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
- 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.
**Effective 12/28/2017, the ECL loan program is limited to emergency situations only (non-working heating systems and leaking roofs). Applicants must be ineligible for other programs in order to qualify for an emergency 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 the emergency improvements eligible under the ECL program as of 12/28/2017:
Replacement of non-operational heating system
- 0% interest for furnaces/boilers that meet efficiency minimum of ENERGY STAR rating for natural gas or > 84% efficiency rating for oil/propane
- Applicant must not be eligible for alternate heating loan products (Smart-E loan and EnergizeCT Heating Loan)
- Replacement of leaking roof
The emergency status of the project must be verified by the contractor who will install the replacement, and all work must be completed by a C4C Participating Contractor.
Apply for a Loan
Heating system applicants must apply for a Smart-E loan or an EnergizeCT Heating loan before they will be considered for an emergency ECL loan. Click here to apply online for one of these programs.
Roofing applicants must contact C4C directly by phone to apply for emergency consideration. Please call 860-233-5165, extension 2002 for more information. Our office hours are Monday - Friday, 9am-5pm.