We understand that home improvement projects can require a significant investment. That’s why we offer financing options to fit your project through EnerBank USA! The programs we offer include:

  • 12 Months Same As Cash: This plan offers no payments and no interest for 365 days. The minimum financed amount required for this plan is $1000.

  • Reduced Interest Loans: This plan allows homeowners to make affordable monthly payments spread over seven (7) years. The current interest rate is 6.99%* and the minimum amount for this plan is $3500.
    * Note, Interest rates are subject to change without notice. 

Improve your home without reducing equity.

Your loan should work for you, not against you. Historically, many homeowners have paid for home improvement projects with cash or home equity lines of credit. Our loans have many advantages over other funding options.


Benefits of Financing


Low, Fixed Rates

These rates are easily available to anyone with good credit.


You don't have to put up your house as collateral.

No headaches

After all your hard work and planning, you've earned a quick, hassle-free loan experience, and you get a response within minutes.

Loan commitment

We offer a 120-day credit commitment on all our loan approvals; credit cards don't.

Lower interest rates

Our loan rates are typically much lower than standard credit card rates.

No waiting

Get the entire project you want completed now the way you want it, instead of waiting to save up the cash.

Frequently Asked Questions

How long does the approval process take?

Most loans are approved over the phone in minutes.

What is EnerBank's credit approval rate?

About 80% of our loan applications are approved.

How long is my credit commitment good for?

Good for 120 days from application date.

What is an unsecured loan?

An unsecured loan means there is no collateral or lien on your house.

Is there a penalty for paying off my loan early?

No, there is no penalty.

What types of home improvements qualify?

Many interior and exterior home improvements qualify.