CT Smart E-Loans

cpcu imageSmart-E Loans offer long-term, low-interest financing to help you upgrade your home’s energy performance. Smart-E Loans are affordable and easy, and applying with CorePlus is simple. 

You can finance almost any energy improvement that cuts your home’s energy costs or produces clean energy on your property – below are examples and FAQs.


What Can I Do?

With no money down, fixed rates, and no prepayment penalties, what could be easier? Click here for a complete list of eligible improvements.

Home Performance / Efficiency

  • Insulation
  • Duct sealing
  • Air sealing
  • Window replacement

Heating & Cooling 

  • Air source / ground source heat pump
  • Central Air Conditioning
  • Ductless mini-plit heat pump
  • High efficiency furnace/boiler
  • Natural gas fuel conversion

Water Heating

  • Heat pump water heater
  • Indirect water heater – natural gas
  • On-demand tankless water heater–natural gas/propane


  • Solar PV system
  • Solar hot water system
  • Electric vehicle recharging station
  • Natural gas vehicle refueling station


  • Energy Star appliances
  • Asbestos/Mold remediation
  • Roof repair
  • Tree removal for solar
  • Ask us for details

(For these items 20% of the total cost of the improvements can be used for mold /asbestos remediation etc….)

Get Started

With Smart-E, home energy improvement is easy with CorePlus. Get started today!

  1. Get pre-approved.
    You will apply directly to the lender for a Smart-E loan. You can do this before you start working with a contractor, or wait until you have selected a contractor and settled on the improvements you will be making. It’s your choice!
  2. Find a Contractor to make your energy improvements.
    Your contractor will work through all the Smart-E loan technical approvals on your behalf. If your contractor is not Smart-E eligible, have them contact CT Clean Energy at [email protected] to get trained.
  3. Select the improvements you want to install.
    Your contractor will work with you to be sure the improvements meet our eligibility requirements.
  4. Improve your home!
    Begin your smart energy project with your contractor and enjoy the comfort, savings and value it provides.


You’re eligible if your residence is:

  • 1-4 units (condominiums must be individually metered)
  • Owner-occupied
  • Your primary residence and located Connecticut
  • Mobile homes not eligible for Solar PV, Solar Hot Water and Geothermal.


EnergizeCT has partnered with CorePlus to offer long-term, low-interest financing for your smart energy upgrade. Below are the Smart-E rates and terms available. 

5 Year4.49%
7 Year4.99%
10 Year5.99%
12 Year6.99%

Full Disclosure PDF