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Massachusetts “HEAT” Loans

The residential HEAT Loan Program provides 0% loans from participating lenders to assist with qualified energy-efficient improvements in residential homes.

Loans are available up to $25,000 with terms up to 7 years (depending on the loan type). Learn more about Mass Save Programs.

Limited time offer: ask us for details.

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Reduced Rate 0% for 6 Months

Subject to credit approval. 6 month purchase window. 0.00% interest rate during 6 month promotional period followed by fixed interest rate of 9.99% for 120 months. Payment example assumes one time $10,000 purchase on approval date (8.94″ APR) with 6 months of $0.00 payments followed by 120 amortized payments of $132.10.

Reduced Rate 9.99% for 84 Months

Subject to credit approval. Fixed APR of 9.99% for 84 months. Payment example: for $10,000 purchase on approval date, 84 payments of $165.96.

Reduced Rate 9.99% for 180 Months

Subject to credit approval. Fixed APR of 9.99% for 180 months. Payment example: for $10,000 purchase on approval date, 180 payments of $107.39.

No Interest if Paid in Full in 12 Months

Subject to credit approval. Minimum monthly payments required. Interest is billed during the promotional period but all interest is waived if the purchase amount ifs paid in full within 12 months. Making minimum monthly payments will not pay off the entire purchase balance before the end of the promotional period.
GreenSky® and GreenSky Patient Solutions® are loan program names for certain consumer credit plans extended by participating lenders to borrowers for the purchase of goods and/or services from participating merchants/providers. Participating lenders are federally insured, federal and state chartered financial institutions providing credit without regard to age, race, color, religion, national origin, gender or familial status. GreenSky® and GreenSky Patient Solutions® are registered trademarks of GreenSky, LLC. GreenSky Servicing, LLC services the loans on behalf of participating lenders. NMLS#1416362. GreenSky, LLC and GreenSky Servicing, LLC are subsidiaries of Goldman Sachs Bank USA. Loans originated by Goldman Sachs are issued by Goldman Sachs Bank USA, Salt Lake City Branch.

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