Note: Some loan programs include loans for paying heating bills. MassSAVE Heat Loan Progam : Part of the rate-payer funded energy efficiency programs, Heat Loan offers 0% loan for up to $10,000 for terms of up to 7 years for installing such energy efficiency measures as:

Energy Efficiency Improvements Eligible for the HEAT Loan Program

  • Attic, Wall, and Basement Insulation
  • High Efficiency Heating Systems
  • High Efficiency Domestic Hot Water Systems
  • Solar Hot Water Systems
  • Energy Star Windows
  • Energy Star Thermostats

Click here for more information including list of statewide lenders.

UMASS Five Colleges Federal Credit Union :

Offers a low-interest rate Energy & Fuel Conservation Loan to its members that includes:

  • Utility bills, including pre-paid oil
  • Wood or wood pellets
  • Wood or wood pellet stoves
  • Appliances, furnaces, and hot water heaters that are Energy Star-certified (
  • Pre-paid bus or other public transportation passes
  • Fuel-efficient alternative transportation devices such as bicycles, mopeds, and scooters
  • Low-cost home improvements such as weather-stripping, storm doors, or insulation

Energy Efficient Mortgages

Federal Programs : Consumer Guide on that explains energy efficient mortgages and their benefits including availability through federal programs.

This information is provided by the Department of Energy Resources.