EnerBank USA

The Solution

A winning solution for our strategic partners and their authorized dealers as well as independent contractors.



Strategic business partners may include: manufacturers, distributors, and retailers of home improvement and energy saving products and services • remodeling, home improvement, HVAC and plumbing contractors • gas and electric utilities • fuel oil companies • trade and local building associations • and government agencies.

  • 100% financing available for all eligible home improvements
    • Help customers pay for unexpected and emergency replacement work
    • Include installation charges, tax and extended manufacturers' warranties and service plans
  • Win more sales by helping the customer decide to buy now
    • Increase sales close rates by providing all customers with an attractive means of paying for a project that could persuade them to buy instead of just "think about it"
    • Experience high loan approval--more than 85% of homeowners in the United States can pass EnerBank USA's minimum credit bureau score test
  • Meet or beat your competitor's offers
    • You won't lose another job because your payment options are not up-to-par
    • Our loan features are very competitive
      • Unsecured installment loan
      • Loan amounts from $1,000 to $45,000
      • Extended loan repayment terms from one to 10 years (depending on loan size)
      • Competitive fixed interest rates
      • No prepayment penalties
      • Comprehensive list of eligible home improvements and equipment installations
      • Loan commitment period is 120 days from loan approval date
      • Same-As-Cash, Zero Interest Rate and Deferred Payment options available
  • Upgrade customers to more extensive project or higher quality equipment and materials
    • Sell "good-better-best" solutions that result in higher sales revenue and gross margins per job
  • Quick and easy work flow process
    • No application processing or loan documentation and closing work for authorized dealers or independent contractors
    • Dealers refer to a unique 800# and in no time EnerBank USA will advise the Dealer by phone of the credit decision
Click here to read more.



For more information on how to participate in an EnerBank USA loan program, please call us toll-free today.




Phone: 888-721-2100
  • Loan Program Sponsors
Phone: 888-390-1220
  • Option 1: Customer Service for borrowers
  • Option 2: Independent Contractors and the Express Loan Program

Address:
1245 E. Brickyard Road, Suite 640
Salt Lake City, UT 84106


EnerBank USA is a NAHB Remodelors Council Strategic Partner and Member FDIC.

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