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.

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.