Mass Save®
0% Heat Loan

It’s Smart to Finance with 0% Interest!

Eligible Massachusetts residents can leverage the Mass Save® HEAT Loan which in 2025 provides 0% financing up to $25,000.00* for eligible energy efficient upgrades including heat pump systems and heat pump water heaters. Avoid extra costs from credit cards or higher interest loans by leveraging the power of the 0% HEAT Loan for qualifying upgrades! Terms as long as 7 years to help you afford lasting comfort at a low monthly payment.

2025 HEAT Loan Process

There are a few critical steps for homeowners seeking a Mass Save HEAT Loan. Luckily Endless Energy’s staff can help you with each step along the way.

1. Book Your No Cost Mass Save Home Energy Assessment with Endless Energy

2. Book Your No Cost Heating & Cooling Consultation with Endless Energy

3. Work With Endless Energy’s Finance Staff to Submit Your HEAT Loan Application

4. Once Approved Go To a Participating Lender*

5. Endless Energy installs your heat pump, heat pump hot water, and insulation projects!

*While we can’t submit your bank loan application, we’re happy to connect you with a handful a bankers our customers regularly work with!

Endless Energy provides hands on concierge service to walk you through the heat loan application process. The process is more simple than you think!

Sign your proposed contract from Endless Energy.
Complete and submit a signed copy of the HEAT loan intake form with a copy of your Endless Energy proposal and any other required documentation, and once approved you get an authorization form.
Take your authorization form to a participating lender. Need to find a lender? Visit MassSave.com/HEATloan or scan the QR code below to link to a lender that many of our client’s have raved about! However, you can use whichever lender you feel is best for you!
Once approved you will get a two party check made out to yourself and Endless Energy, once your work is done you simply sign over the bank check to us to remit payment.
We apply any applicable rebates you may be eligible up front to your pricing so that there is no out of pocket cost to you! No waiting for weeks for a check in the mail for reimbursement (we will do the waiting for you)!
Complete your verification inspection. Call (866) 527-SAVE (7283) to connect to Mass Save to coordinate your installation inspection.
For more information download the HEAT loan guide here