Home Energy Solutions Micro-Loan Program

July 03, 2025

Summary

Capital for Change, in partnership with the electric and gas utilities, offers a variety of low interest loans to finance energy efficiency upgrades. The program offers On-Bill Repayment financing, where the loan amount can be paid through a surcharge on the monthly electricity bill, for electric customers of Eversource. The loans are not transferable, and there currently is no collateral requirement.

Eligibility

Customers of Eversource (formerly CL&P) and United Illuminating are eligible for the program. Applicants must own a single or two-family home (including condos and vacation homes).

HES Payment Plan

Provides 0% APR financing for loan $500 to $3,000 for a period of up to 36 months.

Program Overview

Implementing Sector:	State
Category:	Financial Incentive
State:	Connecticut
Incentive Type:	Loan Program
Web Site:	https://www.capitalforchange.org/hes-micro-loan
Administrator:
Start Date:
Eligible Renewable/Other Technologies:	Geothermal Heat Pumps Water Heaters Furnaces Boilers Heat pumps Air conditioners Building Insulation Windows Tankless Water Heater
Maximum Loan:	$500 - $3,000
Loan Term:	36 months
Interest Rate:	0% APR

Incentives

This program has 1 incentives

Technologies:	Geothermal Heat Pumps, Water Heaters, Furnaces, Boilers, Heat pumps, Air conditioners, Building Insulation, Windows, Tankless Water Heater
Sectors:	Construction, Residential, Multifamily Residential, Low Income Residential
Parameters:	The incentive has a maximum of $300.00, The incentive has a minimum of $5000.00, The incentive has a minimum of 3.00 Years, The incentive is 0.00 %

Contact

Name:	Capital for Change -- Consumer Lending Customer Service
Organization:	Capital for Change
Address:	10 Alexander Drive Wallingford CT 06492
Phone:	(185) 565-6550
Email:	Lending@capitalforchange.org

This information is sourced from DSIRE; the most comprehensive source of information on incentives and policies that support renewables and energy efficiency in the United States. Established in 1995, DSIRE is operated by the N.C. Clean Energy Technology Center at N.C. State University.