Smart-E Loans

Our Smart-E loans offer long-term, low-interest financing to help you upgrade your home’s energy performance. Increase the comfort and value of your home, lower energy costs and much more. Smart-E makes it easy! Take a look at everything Smart-E has to offer:

  • Oil-to-Gas Conversions: With low natural gas prices, there has never been a better time to switch from oil to gas for your boiler or furnace.
  • Insulation: Save up to $17 per month with a basic weatherization upgrade. Insulating your home is the simplest and most cost-effective way to save on heating and cooling costs.
  • Windows: Save money on heating and cooling costs by installing energy-saving U-Factor windows.
  • Heating and Cooling: Improve the comfort of your home by upgrading to high-efficiency heating and cooling equipment.
  • Solar PV with Battery Backup: Enjoy electricity savings with the use of solar panels and own a system capable of running during a blackout.
  • Solar Hot Water: Lower your fuel costs with a solar hot water system and use solar energy to heat water for your home.
  • Geothermal: Save up to 70 percent on heating costs and 50 percent on cooling costs by switching to a geothermal system.

With no money down, no fixed rates and no prepayment penalties, what could be easier?

Ready to get started? Click here to apply online or contact us for more information. A list of eligible contractors is available at

Connecticut owner-occupied homes only. Maximum loan amount is $40,000. Other terms and conditions may apply.