EnerBank USA home :: the solution :: our hours ::


Providing excellence in customized, private-label home improvement loan programs featuring Same-As-Cash payment options.


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

Our programs are a proven selling tool for EnerBank's strategic business partners and their authorized dealers. 100% presentation of Same-As-Cash payment options on every sales call will help your dealers:

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


If you're looking for a new loan program or don't have one for your authorized dealers, we encourage potential strategic business partners to find out how EnerBank's private label loan program sets a new standard in our industry. Call or email us today.



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


  Wow! It's a turnkey program that can increase sales.

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