Mass Save® Heat Loan

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Your home energy project may be eligible for 0% APR interest loan up to $25,000*

Qualified Massachusetts customers can receive no-interest financing through the Mass Save® HEAT Loan Program.

No-interest loans are available on qualifying energy efficiency improvements, including:

  • Mass Save Recommended Attic, Wall and Basement Insulation
  • Heating Systems
  • Domestic Hot Water & Solar Hot Water Heaters
  • Central Air Conditioning and Heat Pumps
  • ENERGY STAR® Qualified Replacement Windows
  • Energy-Efficient Thermostats

If you've already completed your home energy assessment and received you HEAT Loan Authorization Form, you may apply for your Mass Save HEAT Loan at any Berkshire Bank branch or online at and choose "apply for a personal loan".

Apply today, click here


If not, here's what you need to do:

  1. Call Mass Save at (866) 527-7283 to schedule your no-cost home energy assessment
  2. Fill out paperwork provided by your Mass Save representative and submit you documents
  3. Receive your HEAT Loan Authorization Form and apply for your Mass Save HEAT Loan
Banking products are provided by Berkshire Bank: Member FDIC. Equal Housing Lender. Berkshire Bank is a Massachusetts chartered bank.
*Some restrictions may apply. This offer is subject to credit approval and may be subject to change or cancellation. Minimum loan amount is $500. APR refers to Annual Percentage Rate. The monthly payment would be approximately $83.34 per $1,000 borrowed based on 0.00% APR for 12 months. Eligible Mass Save HEAT Loan customers will need to obtain cost estimates from licensed contractors and submit
them to the Home Assessment Vendor for approval.
Customers must meet program eligibility requirements to participate. Eligibility for the HEAT Loan Program is based on completing a Home Energy Assessment. The bank offers pre-approvals once the home
energy assessment is complete. Some restrictions apply and offers are subject to change or cancellation. Financing is subject to bank credit approval. Additional terms and conditions apply.
Visit or call 1-866-527-SAVE (7283) for details and to learn more about the program.

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