EnerBank USA


Why EnerBank? You need a provider that will be here tomorrow.


Selecting the right home improvement payment option provider is crucial to the growth of your business.  Your provider needs to help you achieve your objectives today and in the future.

  • Commitment – We are a national consumer lender that helps clients increase sales.  Our commitment to the home improvement industry and experience has led to longstanding relationships with leading manufacturers, distributors, franchisors, and contractors.
  • Stable and Well-Capitalized – We’ve been in business for 10+ years.  We originate and fund on our own balance sheet $100’s of millions of loans each year.  We do not originate and sell loans on the secondary market for loan funding.
  • Direct Lender –We are an FDIC insured bank, not a loan broker or loan servicing company.
  • Unbeatable Choice – Contractors choose the unsecured payment options that make them most competitive.  There are no pre-selected menus.
  • Responsible Consumer Lender – We maintain an A+ Rating with the Better Business Bureau. 
  • Straight-Forward and Competitive Dealer Fees – There are no add-on merchant credit card fees or hidden costs.

Providing all customers with a choice of Same-As-Cash* and a monthly payment loan/***, will help contractors:

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

Manufacturers, distributors, franchisors or major retailers of home improvement, remodeling, and energy saving products, click on the Strategic Business Partner Solution tab to learn more. 

Home improvement contractors, click on the Independent Contractor Solution tab.  Then, download and complete the contractor application. 




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)