What is a Smart-E Bundle Loan?
For a limited time, a special rate of 2.99% APR* is available for a 5, 7 or 10-year loan when you combine two or more qualifying home energy upgrades. Click on the Qualifying Smart-E Bundle Loan Upgrades section below to see a list of qualifying bundles.
*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.
Qualifying Smart-E Bundle Loan Upgrades
The Smart-E Bundle Loan is available for a select combination of bundled home upgrades, as seen in the chart below.
|Home Energy |
Core Services Bundle
|Solar PV Bundles||Insulation Bundles |
|Pair a high efficiency|
boiler or furnace with
any of the following:
|Participate in HES|
and install any of the
|Go solar and add any|
of the following:
|Install attic, floor, or|
wall insulation and
add any of the
* Heat pumps include air source hot water heater, ductless mini splits, and geothermal.
The Smart-E Loan can be used for single-measure home improvements as well - over 40 energy improvements are eligible! Click Here for more information.
How Do I Get Started with a Smart-E Bundle Loan?
- Find a Contractor to discuss your energy improvements.
If your contractor is not the approved list, they should contact firstname.lastname@example.org for Smart-E training.
Using multiple contractors? Select one to act as your general contractor. They will help facilitate this process for you.
- Select your bundle.
Your contractor will work with you to be sure the improvements meet our eligibility requirements.
- Get pre-approved by a participating lender.
Apply directly with your selected lender before your contractor begins the project.
- Close your loan with your lender.
Your lender will reach out to schedule loan closing once the project is approved.
Smart-E Loan Eligibility Requirements
- 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