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We are America’s home improvement lender of choice. EnerBank USA® offers you peace of mind. Our loans are available only through authorized contractors who have been approved to offer payment options to their customers. The phone application process is quick and easy with a decision in minutes.

EnerBank USA® is a highly specialized, national consumer lender that helps strategic business partners and independent home improvement contractors offer financing to help make your home improvement dreams come true. Strategic business partners include manufacturers, distributors, franchisors, member or trade associations, and major retailers of home improvement, remodeling, and energy-saving products and services.

Enerbank® Homeowners should expect:

  • Low, fixed interest rates. These rates are easily available to anyone with good credit.
  • Unsecured. You don’t have to put up your house as collateral.
  • Keeps your home equity intact. Reducing home equity takes away future options.
  • No headaches. After all your hard work and planning, you’ve earned a quick, hassle-free loan experience, and you get a response within minutes.

Phone

Applying by phone is a great option and it only takes a few minutes to receive a credit decision

Mobile App

Enerbank’s new mobile app is another quick and easy method to apply

Online App

Enerbank’s simple, paperless loan application process is easier than ever

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