- Appliances & Electronics
- Financing
- Gas Water Heating
- Heating & Cooling
- Hot Water
- Insulation
- Lighting
- Renewable Energy
Key Features
The Connecticut 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.
- Unsecured personal loan (no lien is placed on the property)
- Fixed monthly payments
- No pre-payment penalty
Financing with rates as low as 1.99% (and even 0% for income-qualified homeowners) is available. See all rate information here.
Property requirements:
- Property must be located in Connecticut
- Property must be owner-occupied
- Property must be a 1-4 unit residential building
- Condominiums must be individually metered
From home performance and efficiency, to heating and cooling, to water heating and renewables, there are more than 40 eligible home energy upgrades that quality for Smart-E loans. Click here for a complete list of eligible improvements and efficiency criteria.
- Find a Contractor to discuss your energy improvements.
If your contractor is not on the approved list, they should contact smarte@ctgreenbank.com 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 home energy upgrade.
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 a loan closing once the project is approved.
Learn how homeowners across Connecticut are improving their homes and lowering energy costs with Smart-E.
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“What we’ve seen since we’ve converted is stability. The house is so much more comfortable now.”
About The ProjectLocation: Norwich, CT |
“Smart-E helps get you where you want to be, and where you want to be is self-sufficient with solar energy."
About The ProjectLocation: Pomfret, CT |
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“Applying for the loan was very easy; the application process was just a few pages; and the closing took no more than half an hour.” About The ProjectLocation: Waterbury, CT |
“We are getting the most out of our money and it feels good to know that we are not over spending on energy. We are excited about the improvements hold for our future.”
About The ProjectLocation: Berlin, CT |
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“We were in the black from day one. As it turns out, the cost of the loan payment is less than what we’re saving in heating costs. Eventually, when the loan is paid off, it will be all profit." About The ProjectLocation: Hamden, CT
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