Smart-E loans
Administered by: CT Green Bank in partnership with Energize Connecticut
Quick Summary
Smart-E Loans offer Connecticut homeowners no-money-down, fixed-rate financing for over 90 energy and home improvements—including solar, heat pumps, insulation, windows, and resilience upgrades—with loan terms from 5 to 15 years at rates starting at 6.99% APR. To get started, obtain quotes from participating contractors, apply for pre-approval directly with a local Smart-E lender, and once approved, your contractor submits the project for technical review before installation and final payment.
AI-generated summary • Updated 7/12/2026
Program Details
- Program ID
- 1407
- Last Updated
- 6/3/2025
Eligibility
Program Summary
The Connecticut Green Bank administers the Smart-E Loan program which offers long-term, low-interest financing to CT homeowners looking to upgrade their home's energy performance. Loans are offered at no money down, fixed rates, and with no prepayment penalties for various energy efficiency upgrades and renewable energy systems. Smart-E Loans are offered in partnership with participating community banks and credit unions, and approved contractors. To be eligible for the loan, the building must be 1-4 units, be owner occupied, and located in Connecticut. For more information, including a list of eligible measures, participating lenders and approved contractors, visit the program website.
Contact & Resources
Please verify current program details with the administering agency before making any financial decisions.