0% HEAT Loan Financing for Massachusetts Homeowners

Upgrade your home’s efficiency with interest-free financing for insulation, heat pumps, and more.

Make Home Upgrades Affordable with 0% Financing

The Mass Save HEAT Loan program helps Massachusetts homeowners complete energy-saving upgrades with 0% interest financing. Whether you’re replacing an outdated heating system, adding insulation, or installing energy-efficient windows, the HEAT Loan makes it easy to invest in comfort and efficiency without the upfront cost.



At Mass Energy Savers, we guide you through every step of the HEAT Loan application process—from determining eligibility to coordinating approved upgrades. Our goal is to make energy efficiency financially accessible for every homeowner in Massachusetts.



Energy audit technician conducting a home energy assessment in Dracut, MA.

What You Can Finance with a 0% HEAT Loan

Through the HEAT Loan program, homeowners can finance a wide range of energy-saving improvements, including:



  • Insulation & Air Sealing

  • Heat Pump & Mini-Split Systems

  • Water Heaters (Efficient or Heat Pump Models)

  • High-Efficiency Boilers & Furnaces

  • Energy-Efficient Windows

  • Solar Hot Water Systems

  • Battery Storage Systems


Most homeowners qualify for loans up to $25,000 with repayment terms up to seven years—making it easier than ever to complete your upgrades and start saving.



Homeowner reviewing energy audit results with Dracut Solar technician in Dracut, MA.

Simple Steps to Secure 0% Financing

Step 1: Schedule a No-Cost Energy Assessment
A licensed energy specialist performs an assessment to identify eligible upgrades.


Step 2: Apply for the HEAT Loan
We’ll help you complete the paperwork and connect you with participating lenders.


Step 3: Complete Your Upgrades
Once approved, you’ll have access to 0% financing for qualified energy improvements.


Step 4: Enjoy the Savings
Your home becomes more efficient, comfortable, and affordable to operate—all while paying no interest.


Insulation inspection as part of a residential energy audit in Dracut, MA.

Your Partner in Affordable Energy Efficiency


The HEAT Loan program can be complex, but Mass Energy Savers simplifies every step. We’ll ensure you meet all requirements, assist with documentation, and coordinate contractors to keep your project moving smoothly.



With our help, you’ll take full advantage of Massachusetts’ most powerful energy financing tool—turning your upgrade goals into reality.





Homeowner reviewing energy audit results with Dracut Solar technician in Dracut, MA.

Apply for 0% HEAT Loan Financing Today

Call (978) 888-7462 or contact Mass Energy Savers to learn how to qualify for 0% interest HEAT Loan financing and start your home upgrades today.