At EnerBank, our focus is on delivering the best home improvement lending products and services. We’re a reliable home improvement lender, standing strong and consistently growing — always striving to create an exceptional customer experience. We truly know what it takes to create an exceptional experience in home improvement lending for the consumer, contractor, and industry partner.
EnerBank USA is a specialized home improvement lender – that means we’re experts at providing loans for home improvement projects like yours. Since it’s our specialty, we’ve developed payment options that are tailored to home improvement needs. We’ve been doing this for over two-decades and have approved over a million home improvement loans.
You can get the entire project you want completed right now instead of waiting to save up the cash or completing 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.
*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