EnerBank is dedicated to delivering top-notch lending products and services for home improvement. We’re a reliable home improvement lender, standing strong and consistently growing — always striving to create an exceptional customer experience. With our expertise in home improvement lending, we offer customized payment options for projects like yours. With over two decades of experience and millions of approved loans, we can help you complete your entire project now instead of waiting or doing it in stages
With an EnerBank loan,
Your home is not used as collateral,
There’s no application fee,
No closing or appraisal costs,
No prepayment penalties.
Your Project Manager will offer you a choice of payment options, then you can use one of our fast and easy application methods to connect with our US based lending team to receive a credit decision within seconds.
Approvals are valid for 120-180 days, giving you plenty of time to plan and complete your home improvement project.
Start your journey effortlessly with a soft credit pull via PreQualify, and transition seamlessly into our Online Application!
Available on your contractor’s device
Use the information provided when applying
Application phone number: (800) 774-7598
Contractor ID: (800) 130942
Loan code: (listed below)
© 2025 Regions Bank. All Rights Reserved. | All loans subject to qualification, required documentation and credit approval. Regions and the Regions logo are registered trademarks of Regions Bank. The LifeGreen color is a trademark of Regions Bank. Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. *19.99% fixed APR (provided however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), effective as of April 2025, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Interest waived if repaid in 365 days from first disbursement. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 24 to 132 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 365 days after first disbursement. If no payments made during same-as-cash period and APR of 19.99%, monthly payments vary from $21.99 to $30.82 per $1,000 borrowed depending on term. The minimum monthly payment will be no less than $50.00. **9.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment term is 60 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period. 60 monthly payments of $21.69 per $1,000 borrowed. The minimum monthly payment will be no less than $50.00. ***8.99% to 24.49% fixed APR (provided however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 12 to 144 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period. Monthly payments vary from $11.49 to $30.27 per $1,000 borrowed depending on term and interest rate. The minimum monthly payment will be no less than $50.00.
****The monthly payment calculations provided here are estimates only. Regions Bank will determine the exact loan payment amount after loan approval. The accuracy of these calculations is not guaranteed nor is its applicability to your individual circumstances. For some loan types, the monthly payment may change depending upon when funds are disbursed to your contractor, among other factors. You should always obtain financial advice from qualified professionals.
*Credit and loans provided by Regions Bank d/b/a EnerBank USA, Member FDIC, (650 S Main St, Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 8.99% to 15.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 12 to 144 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period.
With our PreQualify process, no hard inquiries* take place, meaning there isn’t a major hit to your credit score during this process. When the customer decides to move forward with their project, the information they’ve already entered will populate the application to help speed up the process.
*There is no hard credit pull during Prequalification, but there will be a hard credit pull if a prequalified applicant chooses to apply for a loan
CHICAGO: (312) 549-8850
Lincoln Park, Gold Coast, Old Town, Wicker Park, Bucktown, River North, River West, Near Northside, Northside, Logan Square, North Central, Boystown, Lakeview, Loop, West Town, Ukrainian Village, Wrigleyville, West Loop
NORTHSHORE & NORTH SUBURBS: (847) 234-8700
Arlington Heights, Mount Prospect, Prospect Heights, Evanston, Wilmette, Kenilworth, Winnetka, Glencoe, Northbrook, Northfield, Glenview, Morton Grove, Niles, Lake Forest, Lake Bluff, Highland Park, Bannockburn, Mettawa, Libertyville, Vernon Hills, Deerfield, Gurnee, Riverwoods, Lincolnshire, Mundelein, Green Oaks, Long Grove, Kildeer, Lake Zurich, Hawthorn Woods and Buffalo Grove
WESTERN SUBURBS: (630) 560-6899
Lombard, Glen Ellyn, Downers Grove, Woodridge, Bolingbrook, Darien, Burr Ridge, Willowbrook, Westmont, Hinsdale, Clarendon Hills, Oak Brook, Oakbrook Terrace, Elmhurst, Villa Park, St Charles, South Elgin
NORTHWEST SUBURBS: (224) 772-1696
Palatine, Rolling Meadows, Elk Grove Village, Schaumburg, Roselle, Hoffman Estates, Inverness, Barrington, Streamwood, Hanover Park, Arlington Heights, Park Ridge
