Please allow up to two business days for your utility partner to follow up, and one to three weeks for a contractor to contact you to schedule your audit.
Financing options are available to help cover the cost of energy efficiency upgrades.
The chart below outlines both On‑Bill and third‑party financing options.
| Utility Partner | On-Bill Financing | 3rd Party Financing |
|---|---|---|
| Eversource | 0% up to $2,000 | 0% up to $15,000 |
| Liberty Electric | 0% up to $2,000 | 2% up to $15,000 |
| Liberty Natural Gas | 0% up to $4,000 | 2% up to $15,000 |
| New Hampshire Electric Cooperative | 0% up to $4,000 | 2% up to $15,000 |
| Unitil Electric and Natural Gas | 0% up to $7,500 | 2% up to $15,000 |
CLICK HERE for more information on other energy-saving products and services.
Questions?
Please contact your utility provider with any questions you may have:
Eversource
Email: NHResidentialEE@eversource.com
Liberty
Horizon Residential Energy Services
Email: nhsaves@horizon-res.com
Phone: 1-603-369-4834
New Hampshire Electric Cooperative
Email: solutions@nhec.com
Unitil
Horizon Residential Energy Services
Email: nhsavesunitil@horizon-res.com
Phone: 1-603-715-8938
Get Financing
If you participate in the Home Energy Performance program available through your NHSaves utility partners, a 2% annual percentage rate (APR) is now available for home energy efficiency improvement loans.
What can I use financing for?
If you qualify, your home energy efficiency improvement loan can be used for your program cost share in order to add insulation, air sealing and other approved energy efficiency updates to your home. Some additional measures may also be covered. Contact your utility for details.
More Information
About the Program
Your NHSaves utility partners, in partnership with local lenders, are offering a 2% APR home energy efficiency improvement loan to qualified customers for the following:
- Home Energy Performance home weatherization work that qualifies for Home Energy Performance rebates.
- This loan is for adding insulation, air sealing and other approved energy efficiency upgrades to your home.
- Some additional measures may also be covered. Contact your utility partner for details.
This is an unsecured loan offered by the lenders to program participants that are approved by the lender for the loan. This offer is valid for a limited time while funding is available.
Loan and Repayment Terms
| Loan Amount | Max Loan Repayment Term | Monthly Payment per $1,000 |
| $1,000 up to $2,000 | 2 years | $42.54 |
| $2001 up to $4,000 | 3 years | $28.64 |
| $4,001 up to $6,000 | 4 years | $21.70 |
| $6,001 up to $9,000 | 5 years | $17.53 |
| $9,001 up to $12,000 | 6 years | $14.75 |
| $12,001 up to $15,000 | 7 years | $12.77 |
*For electric utility customers requesting loans under $2,000, ask your utility about on-bill financing options.
**Some lenders may have a shorter maximum term.
How Do I Apply?
- You must be participating in the Home Energy Performance program.
- Contact your utility for a loan authorization form.
- Bring your loan authorization form and contractor quotes to any of our partner banks or credit unions.
- Your lending institution will determine whether you are eligible for the loan based on its own lending criteria.
Participating Lenders
| Partners | Branches | Contact | Utility Partners |
 |
Bow, Concord, Contoocook, Hooksett, Nashua | www.mcsbnh.com 1-800-541-0006 |
Eversource, Liberty, New Hampshire Electric Cooperative, Unitil |
 |
Alton, Ashland, Center Harbor, Gilford, Laconia, Melvin Village, Meredith, Moultonborough, Plymouth, Portsmouth, Wolfeboro | www.mvsb.com 1-800-922-6872 |
Eversource, Liberty, New Hampshire Electric Cooperative, Unitil |
 |
Berlin, Biddeford, Concord, Conway, Dover, Exeter, Hooksett, Kennebunk, Lebanon, Lee, Northwood, Plymouth, Portsmouth, Rochester, Sanford, Westbrook | www.lighthousecu.org 1-888-436-1847 |
Eversource, Liberty, New Hampshire Electric Cooperative, Unitil |
 |
Claremont, Charlestown | www.claremontsavings.com 1-800-992-0316 |
Eversource |
 |
Keene, Walpole | www.walpolebank.com 1-877-925-7653 |
Eversource |
 |
Rindge, Peterborough, Keene | www.gfafcu.com 1-844-500-7177 |
Eversource |
 |
Concord, Manchester, Bedford, Nashua, Dover, Stratham, Salem, Portsmouth, North Hampton | www.easternbank.com 1-800-EASTERN (327-8376) |
Eversource |
 |
Lowell, Massachusetts | www.mills42fcu.com 978-328-5100 |
Eversource |