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Mass Save HEAT® Loans

Energy
efficiency.
Interest-free!

Keep your home in top condition with energy-efficient improvements. See if you qualify for a loan of up to $25,000 with 0% interest and terms of up to seven years.

Apply Now
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Eligible upgrades include:

  • Heating system replacement
  • Water heaters (including solar options)
  • Central air condition and heat pumps
  • Insulation and ENERGY STAR® qualified replacement windows
  • Energy efficient thermostats

Follow this step-by-step guide to apply

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1.

Schedule a no-cost Home Energy Assessment

Call 1-866-527-SAVE (7283) to schedule your assessment with a Mass Save Energy Specialist – or have a participating Home Performance Contractor start the process for you.

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2.

Choose a
contractor

Make sure to get a signed proposal on their official letterhead. Mass Save recommends that you get multiple quotes from licensed and insured contractors before choosing one. Find a participating contractor.

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3.

Complete and submit
paperwork

After your assessment, your Energy Specialist will provide relevant forms and documents. Submit a completed HEAT® Loan Intake Form, contractor proposal, and other required documents.

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4.

Secure your Bay State Savings
Bank Loan

Once your forms are approved, you will receive a HEAT Loan Authorization Form, which you will use to apply for your loan in one of our branches, by phone, or online.

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5.

Complete the upgrade(s) and apply for any rebates

Within 90 days of receiving your check, your contractor should complete the improvements. Sign the check over to them to pay for their work. Some equipment may be eligible for additional rebates; make sure you apply for these rebates so you don’t miss out.

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6.

Complete your verification
inspection

To ensure everything is installed and performing properly, schedule an inspection by calling 1-800-234-1307.

Offer is subject to credit approval. Some restrictions apply and offers are subject to change or cancellation. Visit MassSave.com/HEATLoan for details. Want to learn more? Complete the form below and we’ll reach out as soon as possible!

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