Get your energy efficiency loan from Ascend Bank
Through our partnership with the Connecticut Green Bank, homeowners can access Smart-E Loans—a low-interest, no-money-down financing option for a wide range of home improvement projects. Whether you’re upgrading to clean energy, making your home healthier, or investing in long-term savings, Smart-E Loans make it possible.
Why Choose a Smart-E Loan?
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Low fixed rates – predictable monthly payments
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No money down – start improvements right away
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Borrow up to $50,000 – for eligible projects
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Flexible terms – multiple repayment options available
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Trusted local lenders – financing through community banks and credit unions
Who is Eligible for a Smart-e Loan?
- In the following counties: New London, Windham, Tolland, or Middlesex
- Owner-occupied
- A residential building with 1–4 units (condominiums must be individually metered)
Eligible Home Improvements
Smart-E Loans cover more than 90 home upgrades (as of 08/2025), including:
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Energy efficiency: insulation, windows, heating and cooling systems
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Renewable energy: solar PV, solar hot water, battery storage
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Resilience: storm windows, generators, sump pumps
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Health and safety: asbestos or lead removal, water quality systems
How to Get Started:
Select a Contractor
Reach out to multiple contractors to compare quotes for your energy upgrade and decide which contractor suits your needs.
FIND A CONTRACTOR
Apply for a Smart-E Loan
Contact us with the amount you need to finance and apply for Smart-E Loan pre-approval.
Notify your Smart-E Contractor
Once your Smart-E Loan is pre-approved, let your contractor know they can submit your project information to CT Green Bank’s team to ensure your project meets the program’s energy efficiency standards.
Ready to upgrade your home?
Learn more about Smart-E Loans and connect with a participating lender near you.
Mortgage & Lending Insight from Ascend Bank
