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Make affordable, energy-efficiency improvements with the help of a 0% APR1, no-interest Mass Save HEAT loan.

Key Features

  • Competitive Rates
  • Quick Decisions
  • Local Processing

No-interest loans are available for home energy efficiency improvements through the Mass Save HEAT Loan Program. As a participating lender we offer these no-interest loans on qualifying improvements including:

  • Mass Save Recommended Attic, Wall and Basement Insulation
  • Heating Systems
  • Domestic Hot Water and Solar Water Heaters
  • Central Air Conditioning and Heat Pumps
  • ENERGY STAR Qualified Replacement Windows
  • Energy-Efficient Thermostats

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


To qualify for the loan, you must meet certain requirements. Visit the Mass Save website for qualification criteria.

Learn More

To learn more about the program, eligibility, and the application process, visit the Mass Save website.

1APR = Annual Percentage Rate (APR). Monthly payment based on a loan amount of $5,000.00 at 0.00% APR and a repayment term of 84 months is $59.52. All loans subject to meeting Mass Save HEAT Loan Program guidelines. HEAT Loan Program requires a Mass Save no-cost Home Energy Assessment. To schedule your assessment call 866.527.7283. Financing is subject to credit approval. Additional terms and conditions may apply.

Full Disclaimer

Customers must meet program eligibility requirements to participate.

Eligibility for the 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.