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Mass Save® Heat Loan

More Efficient

A Mass Save® HEAT Loan is 0% interest, 100% easy. And a wide range of energy-efficient improvements qualify!

  • Heating System Replacement
  • Domestic Hot Water & Solar Hot Water Heaters
  • Central Air Conditioning and Heat Pumps
  • Insulation & Replacement Windows

Mass Save HEAT Loan Program

From the attic to basement, Hanscom FCU is here to help you with your home energy upgrades.

  • The HEAT Loan Program provides consumers the opportunity to apply for a 0% APR loan from Hanscom FCU to assist members with the installation of energy-efficient home upgrades like heating and water heating equipment, central A/C and heat pumps, insulation, and more.
  • Replacing a Furnace? A Mass SAVE Home Energy Assessment can help.
  • Check the Mass Save website for a listing of additional rebates that are available.

Visit Mass Save

Get Started


Incentive available for residential customers occupying a 1-4 family home participating in the Mass Save home energy assessment program. Mass Save HEAT Loan limited to owner-occupied primary residences within Massachusetts. Other restrictions may apply. Offer subject to change without notice.

Steps to get started with Energy Saving Loan:

  1. Customer must sign up for a Home Energy Assessment from an authorized Mass Save vendor. Call (800) 632-8300 to schedule a free home energy assessment.
  2. A MassSave representative will assess your energy efficiency improvement needs and determine what improvements are eligible for financing. The representative will provide a HEAT Loan Intake Form, Program Steps, and Minimum Standards and Requirements.
  3. Obtain pre-approval from a participating lender if you choose.
  4. Obtain written contractor price proposal(s) for the installation of the improvements.
  5. Forward the proposal(s) for review and approval by your Mass Save HEAT Loan administrator listed by your electric utility or Cape Light Compact’s HEAT Loan Intake Form.
  6. Once approved you will receive a HEAT Loan Authorization Form.
  7. Finalize the loan with a participating lender and obtain two-party checks.
  8. Measures are installed and Mass Save conducts a post-installation inspection on the installed improvements.

The loans are available up to $25,000 (depending on utility) with terms up to 7 years.

Do You Have Questions?

Complete the form and a member of the team will contact you to answer your questions.

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