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EnerBank USA

Map & Directions
(19 Reviews)

1245 E Brickyard Rd, Salt Lake City, UT 84106

(888) 390-1220

OPEN NOW
Today: 7:00 am - 5:00 pm
18
YEARS
IN BUSINESS
BBB Accredited businesses follow the BBB Code of Business Practices and pay a fee for accreditation review and monitoring. Accreditation is not a BBB endorsement or evaluation of the business’ product quality or competency in performing services.

BBB Rating and Accreditation information may be delayed up to a week.
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General Info
EnerBank USA is a wholly owned subsidiary of CMS Energy Corporation and a strategic partner of NAHB Remodelers. Located in Salt Lake City, the bank provides unsecured home improvement loan programs. It also offers home energy loans, as well as customized, private-label loan programs to large sponsors. EnerBank USA additionally provides a special express loan program to independent contractors and small companies. It helps customers pay for unexpected and emergency replacement work. The bank offers training material and sessions for participating contractors and dealers. Its advanced business model and quality-controlled work flow processes help to protect sponsors, their authorized dealers and independent contractors from financial issues. EnerBank USA also offers detailed monthly reports on various loan programs performances.
BBB Rating
A+
BBB Rating and Accreditation information may be delayed up to a week.
BBB Accredited businesses follow the BBB Code of Business Practices and pay a fee for accreditation review and monitoring. Accreditation is not a BBB endorsement or evaluation of the business’ product quality or competency in performing services.

BBB Rating and Accreditation information may be delayed up to a week.
Hours
Regular Hours
Mon - Fri:
Sat - SunClosed
Brands
Home Improvement Lending, Reduced Interest Loans, Same As Cash Loans, Traditional Interest Loans, Zero Interest Loans
Payment method
check
Location
Brickyard Tower
Neighborhood
Sugar House
Category
Banks

Reviews

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Sandie S.

02/16/2019

Overall
Professionalism

Incredibly easy to submit and become approved. Paperwork sent to house. Easy Easy Easy.

Shirley T.

01/31/2019

Overall
Expertise
Location
Professionalism

I would highly recommend Enerbank for home improvement. It only took a matter of minutes to get approved of the loan and the terms are well within my budget.

Larry G.

01/19/2019

Overall
Expertise
Location
Professionalism

Jan-2019: Loan application-Disbursement-Payment setup process. Very good experience. Easy and very professional. courteous staff.

David T.

12/26/2018

Overall
Expertise
Location
Professionalism

Easy to application process. Good Rates.. Outstanding customer service.. Knowledgeable and friendly staff.

Ronnie S.

12/20/2018

Overall
Expertise
Location
Professionalism

EnerBankk is a Great lending agency!!! It’s very easy to sign up and communicate with them and get what you need with very little effort on your
behalf.

Max B.

10/20/2018

Overall
Expertise
Location
Professionalism

Although the process was an easy one, we decided to pay off the loan well before interest could be acquired.

John A.

10/15/2018

Overall
Expertise
Location
Professionalism

I enjoyed working with all the people involved with securing my loan with EnerBank. I always felt comfortable speaking with any of the representatives. I highly recommend EnerBank and will used them for future projects with my home.

Tina D.

10/08/2018

Overall
Expertise
Professionalism

Very easy to work with and went above and beyond to help us get our loan to replace our furnace and central air.

Donna K.

10/04/2018

Overall
Expertise
Location
Professionalism

Immediate approval. Very easy process. Appreciate the zero interest if paid within one year. A great experience overall.

Christian T.

07/24/2018

Overall
Professionalism

I was a Wells Fargo employee for 15 years (and a US Bank employee before that), and not one personal nor professional transaction I experienced at either bank was as convenient and efficient as the EnerBank lending process. Note: EnerBank is a subsidiary of CMS Energy, a midwestern utility. The Stagecoach has been outdone by the gas company. Excellent customer service (and an excellent loan product, IMO). Five out of five stars!

Melanie a E.

07/02/2018

Overall
Expertise
Location
Professionalism

Hard to do business with. Replaced all my windows and the window company got the loan with them. I had no verbal contact, no email contact with anyone. Their site is not used friendly, can never find a balance of the loan. Would not use them again.

Sonny R.

05/16/2015

Overall

I want to thank Andy Gibson and the staff at Ener Bank for resolving this problem i had with my contractor. I can finally move forward and get my geo thermal job finished. Thanks again

Sonny R.

Dan A.

12/31/2014

Overall

I cant believe that in such a digital world, that Enerbank doesn't allow online payments. At least 10 years behind the times. And from the sounds of the reviews, it causes numerous problems with lost payments for customers.

Overall

I used EnerBank USA to finance a screenroom. Financing was explained to be in great details over the phone and by contractor. Within a month of the project being completed I received a payment book. I had opted for 12 mos SAME AS CASH/12 mos NO PAYMENTS. The project was completed in October, I made no payments. I paid the BALANCE IN FULL in March, called to verify balance I had no problem. This was in excellent way for me to get a project completed wiithout having all the cash in hand. Enerbank USA was a very POSITIVE, EASY, SIMPLE experience for me. I did not have any problems what so ever. GIVE THEM A TRY

shawnrussell

08/15/2012

Overall
We had our home painted by Cer...

We had our home painted by CertaPro and financed a 6m no interest no payment through EnerBank. The loan amount was paid in full within two weeks time. 30 days later EnerBank sent a payment book. We contacted them to find out why and found out they had charged us 29.30 in interest. We called again and they stated we did not sign up for the interest free program. We have the documentation to prove we signed up for Easy Pay and also the paper work that shows Easy Pay is 6m no payment no interest.



The 29.30 is a small amount, but it is the principal of the matter. They refuse to admit they made an error and I refuse to allow them to engage in what I now believe is fraud. I will gladly update this review once EnerBank admits they made a error and refunds me the 29.30 I have paid.

Full of regret

04/24/2012

Provided by Citysearch - 
Overall
Poor customer service

I have been with Enerbank since July, 2010. I paid my monthly payments on time. I received a call from a Lisa, from customer service (""as a courtesty"") to inform me that my April payment had not be received. I told her that the payment had been mailed on April 4, 2010. I told her that I would check with my bank to see if the check has cleared. I called Lisa back and told her that the check has not cleared and that I would do a stopped payment on the check. I would send another check for April payment along with the May payment. I ask if there will be a late fee. She said yes and that there was nothing she could do about it. I asked to speak to someone else who could. She told me that they could do it either and she would not let me talk to anyone else. I told her it was not my fault that the payment has not been received as I mailed it 4/4/2012. She was very rude. Since she would not let me talk anyone else. I am having my account refinanced through my credit union (a place that appreciates its' customer) I would not recommend the company to ANYONE!!!!

JJ190806

03/28/2012

Provided by Citysearch - 
Overall
Do not use them!1 Contractors beware

This is a ripoff !! the zero interest plans are not true. The contractor is forced to include the rate in the price of the project. The contractor is charged the fee and they pass it on to you. The current rate is about 18%. Do not use them or any contractor with them. If a contractor does not push customers to them for the ""no interest "" (really 18%) deals they terminate the relationship with the contractor. Do not use this company unless you want to pay more than it is worth.

Richie S.

09/13/2011

Overall
We had rebath redo our bathroo...

We had rebath redo our bathroom last year and we applied for a loan half of the total amount of the job. It was $2300. Rebath had enerbank give us a loan for $2300 with zero % interest. So we did go with the remodeling. At the start of the loan, we got a payment book with the dates and the amount to pay dated September 2011. The loan was done in September 2010 and we didn't get anything from them until December 2010. I made the first payment of $500 on Dec. 12, 2010. Check # 164. Next payment was January 7, 2011 for $300 check # 165. Then the next payment was February 4, 2011 for $500 check # 168 and then on February 21, 2011 for $500 check # 169 and the last payment was on March 8th, 2011 for $500 check # 171. Add it all up = $2300. Mind you during the time that we were making these payments, NOT and EMAIL or SNAIL MAIL from ENERBANK. So we figured since I can see it online and it shows that it's paid off, maybe it's already done. Today came, SEPTEMBER 12, 2011. We got a letter from them stating that we owe them account balance of $243.60. They want us to pay a monthly amount of $67.74. They said that the DUE DATE was 7/7/2014.. This is Just crazy.... Here's the letter that they sent us.... "Our records indicate that you entered into a Same as Cash loan agreement on 9-7-2010. After reviewing our records, it appears that we have not received the full principal balance on or before the same as Cash due date of 9/7/11. As stated in your note and disclosure, your loan is now a fixed rate installment loan that requires a minimum payment that is due every month as stated above. If you have any questions, please call our customer service department at 1-888-390-1220."

RenaeS1

12/22/2008

Provided by Citysearch - 
Overall
Worst Customer Service I have ever experienced. Rude, and ignorant.

We all have different situations we deal with. I have been doing business with EnerBank USA for approximately 2 years. The customer service department is very rude, ignorant and unforgiving to customers. In my opinion, there is 1 particular department, where the customer service reps are very rude and ignorant to customers, and guess what they get away with it because the manager does the same. Try escalating to the manager and he is just as rude and you have no way of escalating further. I was even hung up on during multiple telephone conversations. What happened to EXCELLENT Customer Service and Satisfaction, well, I think their Moto, is be as unprofessional as you would like because we don't care about the customer!

With the economy in the situation it is in, these people should be thankful they have a job. But they have NO right, to belittle the customer! Go ahead deal with EnerBank and get the same RUDE service I have experienced.