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Providing excellence in home improvement loan programs featuring Same-As-Cash payment options.*


Selecting the right payment option program and provider are very important. EnerBank USA specializes in unsecured home improvement and home energy loans through strategic business partners and independent home improvement contractors in all 50 states and the District of Columbia. That’s what we do! We are committed to the home improvement industry and have extensive experience and longstanding relationships with leading manufacturers, distributors, and franchisors along with their dealer networks as well as independent home improvement contractors.

Our programs are a proven selling tool! 100% presentation of Same-As-Cash payment options* on every sales call will help contractors or authorized dealers:

  • Increase sales
  • Grow their business
  • Improve cash flow
  • Make more money


If you are a potential strategic business partner that is looking for a new program or don’t have one for your authorized dealers, we encourage you to find out how EnerBank USA’s private-label payment option programs set a new standard in our industry. First, click on the Strategic Business Partner Solution tab to learn more. Then call or email us today to discuss launching a customized program that meets your needs.

For independent home improvement contractors that want to enroll in our EXPRESS LOAN PROGRAM—featuring Same-As-Cash payment options*—click on the Independent Contractor Solution tab. Then, download and complete the contractor application. Within a few days, you too can be approved and on your way to greater sales.



Contact Us

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

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

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


  • For potential strategic business partners

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


  Wow! Same-As-Cash payment options* can really increase your sales today.
*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.
Availability of specific payment options is based on your company's qualifications.
EnerBank USA is a Member FDIC.
EnerBank USA is a wholly owned subsidiary of CMS Energy Corp. (NYSE: CMS)