Mass Save® HEAT Loan Program

Save money and make your home energy efficient with a no-interest Mass Save® HEAT Loan.

The Mass Save HEAT Loan Program offers no-interest loans for home energy efficiency improvements. As a participating lender, we offer these 0% interest loans on qualifying improvements.

How it Works

  • Call Mass Save at 866-527-SAVE and schedule a FREE Home Energy Assessment
  • Get a quote from a licensed and insured contractor for your Mass Save eligible energy efficiency project
  • Apply for a Mass Save HEAT Loan*
  • Complete your energy efficiency project

Mass Save HEAT Loans are available to customers of Cape Light Compact, Eversource, National Grid, Unitil Electric, and municipal electric customers served by Columbia Gas of Massachusetts or Liberty Utilities.

Please visit for more information.

*Subject to income guidelines and credit approval

Eligible projectsMass Save Recommended Attic, Wall and Basement Insulation,  Heating Systems, Domestic Hot Water & Solar Hot Water Heaters, Central Air Conditioning and Heat Pumps, ENERGY STAR® Qualified Replacement Windows, Energy-Efficient ThermostatsProjects approved by Mass Save
Property TypeOwner-occupied 1-4 family properties
Loan limits$5,000 – $25,000
Interest Rate 0%
Loan Terms<84 months 
Loan typeSecured Mortgage
Customers must meet program eligibility requirements to participate. Eligibility for the Mass Save HEAT Loan Program is based on completing a Home Energy Assessment and pre-approval. Some restrictions apply and offers are subject to change or cancellation. Financing is subject to credit approval. Additional terms and conditions apply. Visit or call 1-866-527-SAVE (7283) for details and to learn more about the program.