Affordable Financing Options

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There are many reasons to begin your project right away.  Affordable financing solutions are available and may make the most sense when replacing an aged or inefficient air conditioning unit.  Through higher efficiencies and better quality, we have found in many cases that the monthly payment for many of the financing options are more than compensated by the reduction in energy costs alone.

Enerbank USA is a highly specialized FDIC Insured bank founded June 1, 2002 and headquartered in Salt Lake City, providing unsecured home improvement lending through strategic business partners and independent home improvement contractors throughout the United States.

Depending on the size of your project, funds may be available in the near future but may not be currently on hand.  Enerbank's 12 Months Same as Cash option allows you to have your project completed now without being subject to additional interest payments if paid in full within 12 months.  Make payments as you see fit with no monthly minimum payment requirement.

For larger projects, Enerbank USA offers an interest payment option with a low 6.99% annual percentage rate.  Spread out over affordable terms, payments are made affordable with no prepayment penalty.

Even if you've had a few credit challenges, Enerbank USA makes every effort to make financing a possibility for everyone.  Don't let a few credit scoring hiccups stop you from asking about traditional financing through Enerbank.

How long does the approval process take? 

Most loans are approved over the phone in minutes.

What is EnerBank's credit approval rate? 

About 80% of our loan applications are approved.

How long is my credit commitment good for? 

Good for 120 days from application date.

What is an unsecured loan? 

An unsecured loan means there is no collateral or lien on your house.

Is there a penalty for paying off my loan early? 

No, there is no penalty.

What types of home improvements qualify? 

Many interior and exterior home improvements qualify.