Connecticut and UI customers, Connecticut · Loan
HES Micro Loan
Run by Capital for Change, Inc. (for Energize Connecticut)
0% loans of $500 to $3,000 over 36 months, repaid on your Eversource or UI bill, for insulation, heat pumps and efficient water heaters recommended in a Home Energy Solutions visit.
Amounts
How much you get
Loan of $500 to $3,000 at 0% interest (rate depends on the measure financed), 36-month term, subject to credit approval by Capital for Change.
Eligibility
Do I qualify?
You need to meet all 3 of these.
Residential electric customers of Eversource or UI.
Own and live in a single-family home or a 2-4 unit home, including condos; vacation homes also qualify.
Improvements must be recommended through Home Energy Solutions and installed by an approved contractor.
What to doBook a Home Energy Solutions visit first.
Equipment
What equipment counts
Applying
How to apply
You apply online.
- Have a Home Energy Solutions visit.
- Apply through Capital for Change.
Subject to credit approval.
- Approved contractor installs; repay on your utility bill.
Stacking
Use it with
Your address
Next steps
Check that it covers your address. Then, if you want, ask for a contractor quote.
Is it available at your address?
Before anything else
Your quote request is in If a contractor we work with serves your ZIP, they can contact you. We take one request per person; contact us to change it.
Get an email if this program changes
We'll write if its amount, status or deadline changes. Nothing else.
FAQ
Questions
How much does HES Micro Loan pay?
Work done at no cost. Loan of $500 to $3,000 at 0% interest (rate depends on the measure financed), 36-month term, subject to credit approval by Capital for Change.
Do I need to be a Connecticut or UI customer?
Yes. It’s only for homes in Connecticut and UI customers, Connecticut. See Do I qualify for the details.
Do renters qualify?
Own and live in a single-family home or a 2-4 unit home, including condos; vacation homes also qualify.
Do I need approval before I buy?
Improvements must be recommended through Home Energy Solutions and installed by an approved contractor. Book a Home Energy Solutions visit first.
Is it still available?
Yes. It was open when we last checked, on October 25, 2026.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
When one of these pages changes, we re-check this page against it.
Nearby
More in Connecticut
All of Connecticut
Connecticut Weatherization Assistance Program (CT WAP)
Work done at no cost
Free weatherization for households at or below 60% of state median income: energy audit, air sealing, attic and wall insulation and heating system tune-ups, through DEEP and Community Action agencies.
Checked Oct 25, 2026
Connecticut and UI and CNG and SCG customers, Connecticut
Energize CT Home Energy Solutions
Work done at no cost
An in-home energy assessment with on-the-spot air sealing and upgrades for Eversource, UI, CNG and SCG customers: $40 copay, or no cost for households between 60% of state median and 80% of area median income.
Checked Oct 25, 2026
Connecticut and UI and CNG and SCG customers, Connecticut
Energize CT Home Energy Solutions – Income Eligible
Amount varies
Households at or below 60% of Connecticut median income get a no-cost home energy assessment and energy-saving work from Eversource, UI, CNG or SCG, including up to 100% off approved insulation. Renters can apply.
Checked Oct 25, 2026