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    Heat Pumps
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    Roof Replacement
  • Compare All Energy Loans

    Smart-E Loan
    Heating Loan
    HES Payment Plan
    (Micro Loan)
    C4C Landlord Loan
    Energy Conservation Loan (ECL) **Emergencies only**
    Interest Rate 4.49% - 6.99% 0.99% 0% 4.49% - 6.99% 0-3%
    Repayment Plan 5-12 years 3-10 years 3 years 5-12 years 10 years
    Payments may be added to electric bill Eversource Only Required Required Eversource Only NO
    Eversource / UI Electric Customers Only NO YES YES NO NO
    Underwriting Basis Credit Report Utility History Utility History Credit Report Credit Report
    Minimum FICO 580 N/A N/A 660 N/A
    Debt to Income Ratio Maximum
    *waived for higher credit scores
    50%* N/A N/A 50%* 50%
    Minimum Loan Amount $500.00 $1 350.00 $500.00 $3 000.00 $400.00
    Maximum Loan Amount $40 000.00 $15 000.00 $3 000.00 $40 000.00 $25 000,00
    Owner-Occupancy Required YES NO NO NO NO
    CT Residency Required YES NO NO NO YES
    Income Limit Applies NO NO NO NO YES
    Eligible Improvements See Table Heating System See Table See Table See Table
    HES Assessment Required NO NO YES NO NO
    Downpayment Required NO YES NO NO NO
    Fees NO NO NO UCC Fee $50 Recording Fee $60-$75
    Prepayment Penalty NO NO NO NO NO
    Security Unsecured Unsecured Unsecured UCC Filing Secured by property


**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.

Income Limit

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.

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
    • 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 (855) 656-5500 for more information. Our office hours are 9 a.m. to 5 p.m. Mondays through Fridays.

Apply Now

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