Energy Efficiency Loans
C4C helps homeowners conserve energy usage and decrease costs through audits, retrofits, and alternative / clean energy improvements.
Simply click on SMART-E, HES, Landlord Loan or Energize CT Heat Loan above for program eligibility criteria and to apply.
See the table below for general information about each of these programs:
-
Smart-E LoanEnergizeCT
Heating LoanHES Payment Plan
(Micro Loan)C4C Landlord LoanInterest Rate 4.49% - 6.99% 0.99% 0% 4.49% - 6.99% Repayment Plan 5-12 years 3-10 years 3 years 5-12 years Payments may be added to electric bill Eversource Only Required Required Eversource Only Eversource / UI Electric Customers Only NO YES YES NO Underwriting Basis Credit Report Utility History Utility History Credit Report Minimum FICO 580 N/A N/A 660 Debt to Income Ratio Maximum *waived for higher credit scores50%* N/A N/A 50%* Minimum Loan Amount $500.00 $1 350.00 $500.00 $3 000.00 Maximum Loan Amount $40 000.00 $15 000.00 $3 000.00 $40 000.00 Owner-Occupancy Required YES NO NO NO CT Residency Required YES NO NO NO Income Limit Applies NO NO NO NO Eligible Improvements See Table Heating System See Table See Table HES Assessment Required NO NO YES NO Downpayment Required NO YES NO NO Fees NO NO NO UCC Fee $50 Prepayment Penalty NO NO NO NO Security Unsecured Unsecured Unsecured UCC Filing
Compare programs by improvement types
-
Smart-E LoanEnergizeCT
Heating LoanHES Payment Plan
(Micro Loan)C4C Landlord LoanInsulation X X X Bioler/Furnace X X X Heat Pumps X X Ductless only X Tankless Water Heater X NG only X Indirect Water Heater X NG only X Central Air Conditioning X X Siding Max 25% of loan Roof Replacement Max 25% of loan Roof Repair Max 25% of loan Windows X X X Doors Max 25% of loan Solar X X Geothermal X X Caulking/Weatherstripping X Max 20% of loan X Air Sealing/Duct Sealing X Max 20% of loan Max 20% of loan Secondary Heating Systems (non-electric) Woodstoves Electric vehicle charging station Max 25% of loan Tree Removal for Solar Max 25% of loan Remediation (Asbestos, Mold, Etc) X Max 20% of loan Max 20% of loan
© 2021 Capital for Change. NMLS#276717 | This institution is an equal opportunity provider. | Privacy Policy