Personal Sustainability Loan

Reduce your carbon footprint and we'll reduce ours.

When you use the Harvard Credit Union Personal Sustainability Loan (PSL) to reduce your carbon footprint, HUECU will use 25% of the proceeds to purchase carbon offsets.

The PSL provides low-rate financing for energy-saving purchases that help you go above and beyond without absorbing all the cost up front. Items covered under the loan range from home improvements not covered under MassSAVE to funding alternative transportation methods, such as bicycles, mopeds/scooters, and even passes for public transportation. And since you're being a socially responsible investor, you can take advantage of the many tax credits available too!

Qualifying Improvements
Some improvements that qualify for the PSL include:

  • Energy Star-certified appliances
  • Clean power systems
  • Lawn & garden improvements
  • Alternative transportation methods
  • And more...

Loan Features

  • 8.99% Annual Percentage Rate
  • 48 month repayment
  • Loan amounts up to $10,000
  • 25% of proceeds used to purchase carbon offsets


Monthly Payment on $10,000 is $248.87. Total finance charges are $1,945.23 and total of payments is $11,945.23.