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.

Mass Save Partner Logo

Improve your home and the planet.

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

  • Weatherization
  • Pre-weatherization barriers
  • ENERGY STAR certified replacement windows**
  • Residential batteries enrolled in Connected Solutions
  • Heat pump projects
  • Heat pump water heaters

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 will determine your loan amount.  Contact us at 877-682-0334 with any questions. 

*Customers must meet program eligibility requirements to participate. Complete a no-cost home energy assessment. 

Certain measures require completing Home Energy Assessment (HEA) through Mass Save to understand your home’s existing condition and identify any requirements that need to be addressed first. A HEA is mandatory if you plan to pursue any of the following:

  • Whole Home Heat Pump
  • Partial Home Heat Pump (when pursuing bonus incentives)
  • Windows
  • Weatherization
  • Weatherization Barriers

For all other financeable measures, an HEA is not required, though it is recommended as it may help identify additional opportunities for savings.

Some restrictions apply and offers are subject to change or cancellation. Financing is subject to credit approval. Additional terms and conditions apply. Visit www.masssave.com/en/residential/rebates-offers-services/financing or call 1-866-527-SAVE for details and to learn more about the program.

**Must be in conjunction with completed weatherization recommendations

***Loan term is determined by State Median Income (SMI) brackets as required by Mass Save.

80-135% of SMI allows a 7 year term

135-300% of SMI allows a 5 year term

>300% of SMI allows a 3 year term

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 June 2026, subject to change without notice.