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Smart-E Loans offer long-term, low-interest financing through Patriot Bank (a participating lender) to help Connecticut residents access affordable home energy improvements. Smart-E Loans are affordable, simple and quick to access. No matter what your goals are, investing in these improvements today can result in cost savings, greater comfort and environmental benefits for you and your family.
Through our partnership with Energize Connecticut, Smart-E Loans offers long-term, affordable options for improving your home’s energy performance. You can finance almost any measure that makes your home’s fuel or electricity use more efficient or increase on-site energy production from clean energy sources. Connecticut has some of the highest home energy prices in the country. By making your home as energy and fuel efficient as possible, you can put money into your pocket each month. An average-sized Connecticut home could save up to $93 a month or more (that’s over $1,000 a year), after financing, from improving home energy performance. Plus, Smart-E Loans can help you meet other home improvement goals like improved comfort, a healthier home, or better performance!
You can finance almost any measure that either makes your home more energy efficient or generates renewable energy. Just be sure to stick to these guidelines.
The residence where the work will take place must be:
Special Note: No Home Equity is required for a Smart-E Loan!
Homeowners can choose from a broad selection of Energize Connecticut eligible contractors at www.energizect.com/smarte or start with an energy assessment offered by their utility company www.energizect.com/residents/solutions/energy-assessments. Once a homeowner applies for loan approval, we should have a decision for you within days, so you can quickly finalize a proposal with your contractor.
5-Years = 4.49%
APR = 4.492%
7-Years = 4.99%
APR = 4.994%
10-Years = 5.99%
APR = 5.996%
12-Years = 6.99%
APR = 7.00%
Apply by completing our website form below and mailing it to Patriot Bank, 900 Bedford Street Stamford, CT 06901, ATTN: Consumer Lending, or stop by one of our ten branches in Fairfield, New Haven and Westchester Counties.
Click on the form below to print:
Please also provide us with:
You will be notified within three business days of receipt of application and all other required documents. Upon loan and Connecticut Green Bank approval, you simply go to the closest branch to sign your loan documents.
It’s that Smart-E!
Experience the convenience of connecting with a Relationship Banker when the branch is closed or you don’t have time to come into a branch.