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Smart-E Loan
Connecticut — state programup to $50,000; Standard APR: 6.99% (5, 7, 10 years), 7.49% (12 years), 7.99% (15 years); special 1.99% financing offer on heat pumpsDeadline: rolling
A low-interest, fixed-payment residential loan program offered through CT Green Bank in partnership with local lenders and contractors. It finances over 90 home energy and resiliency-related improvements including insulation, windows, heat pumps, solar panels, floodproofing, battery storage, and more. Up to 25% of the loan may be used for non-energy related measures such as ENERGY STAR appliances, lead removal, or roof repairs.
Program details
- Type
- loan
- Amount
- up to $50,000; Standard APR: 6.99% (5, 7, 10 years), 7.49% (12 years), 7.99% (15 years); special 1.99% financing offer on heat pumps
- Deadline
- rolling
- Eligibility
- Home must be located in Connecticut, owner-occupied, and a residential building with 1–4 units (condominiums must be individually metered). Qualification based on factors including credit score and debt-to-income ratio (DTI). All final underwriting decisions made by the lender. Some improvements may require a Home Energy Assessment.
- Status
- open
- Administrator
- CT Green Bank
Source: Connecticut — state program. Confirm current terms with the administering agency before applying.