Home Energy Solutions Micro-Loan Program
Quick Summary
The HES Payment Plan Micro-Loan offers 0% interest financing for $500–$3,000 in energy efficiency upgrades (insulation, air sealing, heat pumps, water heaters, and windows) over 36 months, with payments added directly to your electric bill. You must be an Eversource or United Illuminating customer who owns a single- or 2–4 family home in Connecticut and must first complete a Home Energy Solutions assessment by calling 877-947-3873 before scheduling any work. Financing must be through a Capital for Change Participating Contractor, and projects cannot have started before loan approval.
AI-generated summary • Updated 7/12/2026
Program Details
- Program ID
- 5739
- Last Updated
- 7/3/2025
Eligibility
Program 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. EligibilityCustomers 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 PlanProvides 0% APR financing for loan $500 to $3,000 for a period of up to 36 months.
Contact & Resources
Please verify current program details with the administering agency before making any financial decisions.