Zero Interest Mass Save HEAT Loans

We are proud to offer these zero-interest loans! Make your house more energy-efficient to save money and help the environment.

Improve your home and the planet.

As a participating lender, we offer no-interest Mass Save HEAT Loans on qualifying improvements, including:

  • Attic, Wall and Basement Insulation
  • Heating Systems
  • Domestic Hot Water Heaters
  • Solar Hot Water Heaters
  • Central Air Conditioning and Heat Pumps
  • Energy Efficient Thermostats
  • ENERGY STAR® Qualified Replacement Windows

Loans are available up to $25,000* with terms up to 7 years, for example a $10,000 loan would have 84 payments of $119.05. To apply, the customer must own a one-to-four family residence and obtain a Mass Save® Home Energy Assessment.*

Call 877-682-0334 for more details.

Please have your Mass Save HEAT Loan Authorization in-hand before applying. The amount of the HEAT Loan Authorization, including any rebates, will determine your loan amount.  Contact us at 877-682-0334 with any questions. 

*Customers must meet program eligibility requirements to participate. Eligibility for the HEAT Loan Program is based on completing a Home Energy Assessment and pre-approval. Some restrictions apply and offers are subject to change or cancellation. Financing is subject to credit approval. Additional terms and conditions apply. Visit or call 1-866-527-SAVE for details and to learn more about the program.

Loans $15,001 and up to $25,000 are secured by a mortgage with no closing costs, no application fee, and in certain cases, no appraisal fee . Homeowners insurance and flood insurance (if applicable) is required. No prepayment penalty. No interest is charged to homeowner. Offer as of July 2022, subject to change without notice.