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Comfort takes on a whole new meaning with 0% APR* financing for energy-efficient home improvements.


Applying for a Mass Save Heat Loan is easy and you'll receive a quick response!

Note: If you have a credit freeze please contact the credit bureau prior to applying for your loan in order to tempororarily remove the hold so that your credit may be pulled.

Key Features

  • 0% APR* Available
  • Quick Decisions
  • Local Processing
  • Interest rates as low as 0% APR*
  • The following are HEAT Loan Eligible Services available for funding:
    • Heating System Replacement
    • Water Heaters
    • Central Air Conditioning and Heat Pumps
    • Insulation & Replacement Windows
    • Heating, ventilation, and air conditioning
    • Water heating equipment
    • Lighting
    • Air and duct sealing
    • Electric heat and cooling
    • Electric heat pump water heaters
    • Gas heating and water heaters
    • Oil heating and water heaters
    • Propane heating and water heaters
    • Home insulation  (weatherization)
    • Windows
    • Even Tesla charging stations
  • Loan amounts available up to $25,000 (depending on utility)
  • Loans above $15,000 may require the borrowers’ home to be used as collateral. 
  • For qualified owner-occupied residences and rental property
  • If you’re a condo owner other requirements apply


  • Available for customers of Berkshire Gas, Blackstone Gas Company, Cape Light Compact, Columbia Gas, Eversource, Liberty Utilities, National Grid, and Unitil.
  • Note: If you live in a municipal town, you must heat your home with National Grid or Eversource Gas (not eligible for electric cooling measures), you must own a one-to-four-family residence located in Worcester County, obtain a Mass Save Home Energy Assessment, and install qualified energy efficiency measures recommended by a Mass Save representative.
  • Must schedule a Mass Save Home Energy Assessment
  • Must obtain a Mass Save Authorization Form

Helpful Links


Program subject to change, visit for most up to date information.

  1. Must sign up for a Home Energy Assessment from an authorized Mass Save program vendor.
  2. A Mass Save representative will assess your energy efficiency improvement needs and determine what improvements are eligible for financing. The representative will provide a HEAT Loan Intake Form, Program Steps, and Minimum Standards and Requirements.
  3. Obtain written contractor price proposal(s) for the installation of the improvements.
  4. Forward the proposal(s) for review and approval to your Mass Save HEAT Loan representative along with the HEAT Loan Intake Form.
  5. Once approved you will receive a HEAT Loan Authorization Form.
  6. Finalizes the loan and obtain two-party checks.
  7. Measures are installed and Mass Save representative conducts a post-installation inspection on the installed improvements.
  8. After satisfactory inspection, sign check over to contractor and any additional rebates are processed.


*APR = Annual Percentage Rate (APR). Monthly payment based on a loan amount of $12,500.00 at 0.00% APR and a repayment term of 84 months is $148.81. Minimum loan amount is $500.00. Maximum loan amount is $25,000.00. Loan amounts over $15,000.00 may require the borrower’s home be used as collateral. Loans requiring collateral must be a 1-4 family residence, condominiums must be Fannie Mae approved. Not available for homes currently for sale or intended to be sold within 6 months of closing. Maximum closing costs of $390.00 will apply. All loans subject to meeting Mass Save Heat Loan Program guidelines. Heat Loan Program requires a Home Energy Assessment from a Mass Save Energy Specialist; to schedule your assessment call 866.527.7283. Financing is subject to credit approval. Additional terms and conditions may apply. All Mass Save® Program Details are subject to change.