Mass Save® HEAT Loan

0% Interest. 100% Easy.

From the attic to basement, we're here to help you with your home energy upgrades. The Mass Save® HEAT Loan offers interest-free financing opportunities up to $25,000 for energy-efficient home upgrades like the installation of air source heat pumps, ground source heat pumps, heat pump water heaters, insulation, and more.


To get started, call a Mass Save representative at 866-527-SAVE. You will be provided information on opportunities to improve your efficiency as well as where financing can help. A site visit may be required.


How to Apply for a HEAT Loan


  • Step 1: Choose a contractor. Make sure to get a signed proposal from their official letterhead. We recommend getting multiple quotes from licensed and insured contractors before choosing one. To find a participating contractor, click here.
  • Step 2: Complete and submit a copy of the Intake Form to your HEAT Loan Program Administrator. Include your signed contractor proposal and any additional required documentation. If your work meets program eligibility requirements, you will receive an Authorization Form.
  • Step 3: Secure the loan. Submit your completed Authorization Form to your selected participating lender. If approved, the lender will provide you with a two-party check made payable to you and your contractor(s). To view a complete list of participating lenders, click here.
  • Step 4: Complete the upgrade(s). To pay your contractor, simply sign over the bank check. 
  • Step 5: Apply for a rebate. Visit to apply for any available rebates.
  • Step 6: Complete your verification inspection. Call 866-527-SAVE for details on completing this required verification.


For Eversource and National Grid customers only, please click below to submit your HEAT Loan application online or check on its status.


For Cape Light Compact, Unitil Electric customers, and Liberty customers that live in municipal electric towns, please click below to submit your HEAT Loan Application online. If you have any questions or would like to check the status of your HEAT Loan, please contact RISE Engineering at 508-568-1926 (Cape Cod and Martha's Vineyard) or 800-422-5365 (all other areas).


Eligibility Requirements

  • The HEAT Loan is available to qualified customers participating in the Mass Save Program.
  • Loan applicant must be the homeowner.
  • Residents must have a current residential electric account.
    • Municipal electric customers can take advantage of the HEAT Loan offer if the home is heated with natural gas, provided by a Mass Save Program Sponsor.
  • Financing is only available for qualifying energy-efficient improvements outlined within the HEAT Loan packet.
  • Financing is contingent upon loan approval from a participating lender.