CT Green Bank – in partnership with Energize CT and select local lenders and contractors – offers long-term, low-interest financing to help you upgrade your home’s energy performance with no money down.

*15 and 20 year terms are available. Lender participation varies.

Whether you are looking to improve the comfort of your home, lower your energy costs, or increase your home’s value, a Smart-E Loan makes it easy!

*APR=Annual Percentage Rate. Please note that the interest rates shown here are available to borrowers with a satisfactory credit history. Subject to other terms and conditions. Other restrictions may apply.

When you go green, you save green. Over 40 home energy improvements can be financed using a Smart-E Loan, from insulation to windows, HVAC to solar PV. You can also use up to 25% of your loan for non-energy related measures and healthy home improvements such as new ENERGY STAR® appliances, asbestos or lead removal and roof repairs in advance of going solar.

Here are just a few examples of the many home energy upgrades made possible by Smart-E. Click here for a complete list of eligible improvements.

Eligible Upgrades

1. Find a Contractor to discuss your energy improvements.
   If your contractor is not on the approved list, they should contact [email protected] for Smart-E training.

   Using multiple contractors?
   Select one to act as your general contractor. They will help facilitate this process for you.

2. Select your home energy upgrade.
   Your contractor will work with you to be sure the improvements meet our eligibility requirements. Click on the Smart-E Loan Eligibility Requirements tab below.

3. Get pre-approved by a participating lender.
   Apply directly with your selected lender before your contractor begins the project.

4. Close your loan with your lender.
   Your lender will reach out to schedule a loan closing once the project is approved.

• Property must be located in Connecticut
• Property must be owner-occupied
• Property must be a 1 to 4 unit residential building
• Condominiums must be individually metered

Choose from 8 local lenders covering all of Connecticut. Click below to learn more about each institution’s service area, rates and special offers. Apply today!