HES Payment Plan (Micro) Loan

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    Ductless Heat Pumps
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    Air / Duct Sealing
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    Natural Gas Hot Water Heaters
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    Electric Heat Pump Water Heaters
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    Caulking, Weatherstripping
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    Replacement Windows
  • Compare All Energy Loans

    Smart-E Loan
    Heating Loan
    HES Payment Plan
    (Micro Loan)
    C4C Landlord Loan
    Interest 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 scores
    50%* 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


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 $500 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). HES-IE customers may qualify for additional work to be included in the loan.

Loan Terms:

$500 to $3,000 loan amount
0% interest rate
3 year (36 months) repayment term


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 (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.

Eligible Improvements
(minimum efficiency standards must be met)

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.
ENERGY STAR® Replacement windows.

Detailed listing of Eligible Improvement Measures

Apply for a Loan

Click here to apply online for a HES Payment Plan loan.

Apply Now

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