Personal Loans

Home Improvement Energy Loans

Not only are energy efficient home improvements good for the environment, they can be good for your pockets too. Garden Savings has partnered with the state-sponsored CUGreen program to offer our members 0% APR financing* on the installation of qualified energy efficient home improvements. The savings continue to roll in thereafter with up to a 30% reduction in energy costs. Call 888-966-8969 to speak to a representative today and see if you qualify for all-around savings.

  • 0% APR financing*
  • State-sponsored program meant to assist with the installation of qualified energy efficient home improvements
  • “Whole house” solutions to increase the comfort, safety, and durability of your home
  • Available to all New Jersey's natural gas and electric utility customers and, for a limited time, to municipal electric, oil, and propane customers
  • Improvements can save you up to 30% on energy costs, while reducing your energy use and carbon footprint
  • Loan amounts available up to $10,000 (depending on eligibility)
  • Rebates up to $5,000 (depending on eligibility)
  • Simple, hassle-free process supported by our local decision making and processing
  • Detail-oriented lending specialists who answer your questions in a timely fashion

Get Started

The first step is to schedule an assessment (audit) of your home’s current conditions with an HPwES participating contractor, who recommends energy efficiency upgrades and explains the available HPwES financial incentives. A full listing of HPwES participating contractors is available at the New Jersey Clean Energy Program’s website. It is recommended that you contact several contractors before selecting one to install your upgrades.

Learn More

Learn more about the CUGreen Loan program and qualifying home improvements.

*APR = Annual Percentage Rate. 

**Please be advised that payments made from outside accounts take 2-4 days to post to your account.