EnerBank USA

Hours of Operation

Our regular business hours are:
Lending
Monday - Friday8:00 AM - 1:00 AM (EST)
Saturday9:00 AM - 9:00 PM (EST)
Sunday11:00 AM - 7:00 PM (EST)
Customer Service
Monday - Friday9:00 AM - 7:00 PM (EST)
Contractor Support
Monday - Friday8:00 AM - 1:00 AM (EST)
Saturday9:00 AM - 9:00 PM (EST)
Sunday11:00 AM - 7:00 PM (EST)


Special lending holiday hours:
Memorial Day (Monday, May 26, 2014)
8:00 AM - 6:00 PM (EST)
Independence Day (Friday, July 4, 2014)
8:00 AM - 6:00 PM (EST)
Labor Day (Monday, September 1, 2014)
8:00 AM - 6:00 PM (EST)
Christmas Eve Day (Wednesday, December 24, 2014)
8:00 AM - 6:00 PM (EST)
New Year's Eve Day (Wednesday, December 31, 2014)
8:00 AM - 6:00 PM (EST)


We are closed on the following holidays:
New Years Day Wednesday, January 1, 2014
Easter Day Sunday, April 20, 2014
Thanksgiving Day Thursday, November 27, 2014
Christmas Day Thursday, December 25, 2014


Calendar Note:
We will be open on the following Federal Holidays to accept loan applications, provide support, and answer your questions. Please note, however there will be a delay in contractor funding on these dates as processing centers are closed in observance of the holiday.
Martin Luther King Day Monday, January 20, 2014
President's Day Monday, February 17, 2014
Columbus Day Monday, October 13, 2014
Veteran's Day Monday, November 11, 2014



Contact Us

Phone: 888-390-1220
  • Option 1: Customer Service for borrowers
  • Option 2: Contractor Support for participating dealers

Phone: 800-262-1655 option 1 For potential independent contractors

Phone: 888-721-2100
For potential strategic business partners


For potential strategic business partners

Bank Headquarters Address:
1245 Brickyard Road, Suite 600
Salt Lake City, UT 84106


Loans provided by EnerBank USA OAC for a limited time. *Repayment terms vary from 15 to 138 months. Borrowers approved for Same-As-Cash loans will pay no interest during the Same-As-Cash period if they re-pay the total amount borrowed on or before the Same-As-Cash date specified in the Note and Disclosure Statement. Borrowers may also qualify for monthly loan payment deferrals during the Same-As-Cash period. 16.99% fixed APR, effective as of October 2013, subject to change. **Repayment terms vary from 60 to 144 months. 2.99%, 4.99%, and 6.99% fixed APR, effective as of October 2013, subject to change. The first monthly payment will be due 30 days after the loan closes. ***Repayment terms vary from 12 to 84 months. The first monthly payment will be due 30 days after the loan closes.

EnerBank USA is a Member FDIC.
EnerBank USA is a wholly owned subsidiary of CMS Energy Corp. (NYSE: CMS)