Financing Options

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 perfectly 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 to be 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, and no prepayment penalties. Your contractor 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.