EnerBank USA

The Solution

Our programs (featuring Same-As-Cash payment options) are a proven selling tool that can increase sales for our strategic business partners and their authorized dealers.



How can unsecured Same-As-Cash payment options deliver better sales results for your dealers?

In addition to the strong consumer appeal of Same-As-Cash and the assurance of protection of their customer's private information, it helps deliver outstanding sales results because the application process provided by EnerBank USA is so simple, easy, fast, and secure. Dealers can benefit from:

  • No paperwork for themselves or their customers
  • A convenient referral to a paperless and toll-free loan-by-phone
  • Peace-of-mind for customers who provide their personal financial information directly to the bank
  • A quick credit decision in about 10 minutes
  • Extended loan center hours - open when they frequently meet with their customers:
    • Weekdays 8:00 AM to 1:00 AM (EST)
    • Saturdays 9:00 AM to 8:00 PM (EST)
  • Electronic payment of loan proceeds directly to their company's bank account... either in stages or upon job completion

As a result, more of your dealers' sales reps will use the program everyday to increase their sales.

Want to know more about Same-As-Cash?

Prospective customers prefer Same-As-Cash. Qualified borrowers can buy today and defer monthly loan payments, interest-free for up to 18 months.

100% financing (including materials, labor, extended manufacturers' warranty, and sales tax) is available on an extensive list of eligible improvements that you determine.

You pick the payment options that will make your program most competitive.

  • 90, 180, and 365-Day & 18-Month Same-As-Cash from $1,000 to $45,000
  • 180 and 365-Day & 18-Month Same-As-Cash Flex Loans from $4,000 to $45,000

Like standard Same-As-Cash, Same-As-Cash Flex Loan will help your dealers increase sales and grow their business. In addition, it will improve their cash flow with progress payments on larger jobs. With the initial advance up to 50% of the job, dealers can purchase the materials they need to complete the project according to their production schedule and on time. Same-As-Cash Flex Loan also eliminates the need for a down payment - providing one more reason for their prospective customers to "buy" from them today.

For more information on how to set-up a program for your dealer network, please call us toll-free or send an email to us today.

Important message for independent contractors.
If you are interested in participating in an EnerBank private-label home improvement loan program, please contact your manufacturer, distributor or franchisor and encourage them to contact the bank to set-up a program.



Phone: 888-721-2100
  • For potential strategic business partners
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 640
Salt Lake City, UT 84106


EnerBank USA is a Member FDIC.

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


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.