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Home Energy Efficiency Improvement Loans

Save energy and money with low interest financing.

Two percent annual percentage rate (APR) is now available for home energy efficiency improvements.

Eversource, in partnership with local lenders, is offering a 2 percent APR Home Energy Efficiency Improvement Loan to qualified customers for the following:

  • Home Performance with ENERGY STAR® (HPwES) home weatherization work that qualifies for HPwES rebates. Details of the HPwES program can be found here. This loan is for adding insulation, air sealing, and other approved energy efficiency improvements to your home.
  • ENERGY STAR® high efficiency heating equipment that qualifies for a rebate. Must be done in conjunction with HPwES project.

This is an unsecured loan offered by the lenders to Eversource customers that are approved by the lender for the loan.  This offer is for a limited time while funding is available.

Loan and Repayment Terms:

Loan Amount Max Loan Repayment Term Monthly Payment per $1,000
$1,000 up to $2,000  2 years $42.54
$2001 up to $4,000  3 years $28.64
$4,001 up to $6,000  4 years $21.70
$6,001 up to $9,000  5 years $17.53
$9,001 up to $12,000  6 years $14.75
$12,001 up to $15,000  7 years $12.77

Eversource also has 0 percent, on-bill financing available for loans under $2,000.

How Do I Apply?

  1. You must be participating in the Home Performance with Energy Star Program. See the NH Saves website for program qualification and details.
  2. Contact the Eversource Loan Program Administrator at 603-634-3112 for a Loan Authorization Form.
  3. Bring your Loan Authorization Form and contractor quotes to any of our partner banks or credit unions.
  4. Your lending institution will determine whether you are eligible for the loan based on their own lending criteria.

Participating lenders: 

Partner Branches Contact Information
Granite State Credit Union

Amherst, Candia, Concord, Derry, Hudson, Manchester, Nashua, Seabrook, Tilton

Merrimack County Savings Bank  Bow, Concord, Contoocook, Hooksett, Nashua       800-541-0006


Meredith Village Savings Bank  Alton, Ashland, Center Harbor, Gilford, Laconia, Meredith, Moultonborough, Plymouth, Hampton Falls, Wolfeboro
Northeast Credit Union  Berlin, Concord, Conway, Dover, Exeter, Gorham, Lebanon, Lee, Manchester, Merrimack, Northwood, Plymouth, Portsmouth, Rochester
Woodsville Guaranty Savings Bank Franconia, Lancaster, Lisbon, Littleton, Piermont, Plymouth, Woodsville