Mass Save® HEAT Loan: 0% Financing in Massachusetts

For qualifying energy-efficient upgrades, the Mass Save HEAT Loan is almost always the best deal a Massachusetts homeowner can get: 0% interest, no fees, up to $25,000. If you’re replacing a heating or cooling system or a water heater, this is the first option to check.

See If Your Project Qualifies

The essentials

0% APR, no fees, you repay exactly what you borrow.
Up to $25,000 financed.
Terms of 3, 5, or 7 years, tiered by household income (lower-income households get the longest term).
A free Mass Save Home Energy Assessment is required first for heat pumps, weatherization, and similar measures.
Offered through Mass Save partner lenders and available to customers of the sponsoring MA utilities (including Eversource and National Grid, which serve our area).

What Qualifies (Relevant to Your Home)

Air-source heat pumps (ducted and ductless mini-splits) for heating and cooling, see our heat pumps and mini-split pages.
Heat-pump water heaters, a high-efficiency upgrade from a standard tank (water heater installation).
Insulation, air sealing, and weatherization, often paired with a heat-pump install.
Certain windows/doors when bundled with weatherization, and qualifying battery storage.

Note: conventional gas/oil boilers do not qualify, and only equipment on the current Mass Save qualified-product list is eligible (refrigerant rules changed for 2026), so equipment selection matters. We’ll help you choose a system that both fits your home and keeps your 0% eligibility intact.

Thinking about a heat pump or new water heater? The 0% HEAT Loan could cover it.Talk to a Specialist

How to Get It, Step by Step

1. Book your free Home Energy Assessment through Mass Save (we can point you in the right direction).
2. Choose your qualifying equipment with a participating contractor.
3. Apply through a Mass Save partner lender, approval typically takes just a few business days.
4. Install and submit documentation, and your 0% loan servicing begins.

Because the HEAT Loan is tied to specific equipment and an assessment, a little planning up front makes the whole thing smooth. Ask us how to sequence it so nothing gets missed.

Home Equity / HELOC →Contractor Financing →Personal Loans →All options & calculator →

A note on doing this right: rates, promotional offers, and program terms change frequently and vary by lender and credit profile, figures here are illustrative as of 2026. Before signing any financing agreement, always ask two questions: Is the interest deferred or truly waived? and Does this place a lien on my home? A directly comparable water-treatment lender was penalized by the FTC in 2024 for hidden liens and misleading “teaser” rates, so read every disclosure carefully. CleanTap is happy to review any offer with you, line by line.

Let’s Find the Right Fit

Tell us about your project and we’ll help you compare financing side by side, including whether you qualify for the 0% Mass Save HEAT Loan, with zero pressure.

Get Started