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Mass Save® Heat Loan

Your home energy project may be eligible for 0% 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

Learn more about Mass Save

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Loans