EnerBank USA S Main St, Salt Lake City

Very smooth experience overall. We needed to finance an AC system and the application process was quick and easy. After the project was done, Enerbank called to check in. Within a few weeks we had paid off our same as cash loan and they promptly removed my account with no action required on my end. The only thing I could complain about is that the only information about logging in to make payments came on the first statement in the mail. In 2022, I would expect that information to be upfront in an email or on their website.

Worst customer service rep ever. I sent in a request for payoff with the authorization from our client. I called and spoke to a TOBIN who was completely rude. I advised that this was a rush and if i could please speak to his supervisor and he said no. I advised again that I would like to speak to his supervisor and he told me that I needed to wait 24-48 hour. I advised that this was a rush for one of our clients and that I needed to speak to a supervisor now. TOBIN simply said no you can wait 24-48 hours. I said no I need to talk to a supervisor now and was told " 24-48 hours" and that is it. I hung up called right back and spoke to LORI who was amazing and some how found the authorization that TOBIN could not find for some reason. LORI was able to give me the payoff info I needed and fax it over. Thank you to LORI but you may want to review TOBIN'S calls because I am sure if I was treated like that others are too. I work in customer service and this is completely unacceptable.

The website is useless. You cannot find your account balances. They say the service offers 12 months no interest but they take out interest from each monthly payments. I have waited on the phone for an hour trying to reach customer service only to be disconnected. The worst finance company I have ever dealt with. Avoid using this company at all cost. I am paying off loan ahead of schedule. I hope I can get them.off my back with no problems.

Very patient and knowledgeable. Took only a few minutes to work out the details and approve my loan. Since then the have kept me updated with clear communication. I really appreciate their support.

Overall was thankful for the last min home repair loan, but unfortunately you can not pay in advance without it getting dinged. I paid $ 1,000 towards my loan during Covid. (In case I wasn’t able to work) Me trying to pay my $89.00 monthly bill in advance not knowing it was going to backfire received 2 late payments on my credit I have now paid the loan off completely 2yrs earlier and their credit department will not remove the lates off my credit. Don’t pay in advance thinking you will be in good standing… now that will be sitting on my credit for a while

I have never had a worst experience in my life. I called today to pay off my loan amount in full. It was in my husbands name who is currently on orders with the national guard and unreachable and will be for a while. When I called I had all of our account information and our last bill sitting in front of me with the principal balance amount. The lady I spoke with explained to me that the pay off amount would be different since the interest rate is daily. I said that’s fine, can you just tell me the amount to which she said “I can only answer yes or no to your questions, I can’t tell you the amount.” So I spent SEVERAL minutes literally asking “is it higher or lower than xyz” to which she would say “yes or no”. Seriously. She couldn’t just enter in the number she could clearly see on the screen! I didn’t even care what it was, I just wanted to pay it off. I eventually got down to inbetween dollar amounts and just paid the higher amount to be done playing games like a toddler. What is this insanity!? I seriously have never encountered worst customer service in my life. DO BETTER!

The portal is hot garbage. Overall horrible experience. Customer service leaves you feeling like you've just drank a large gulp of exipired milk. I'd rather eat my own socks than deal with Enerbank again.

Terrible! Was entered in to business with Enerbank when I selected a 1 year same a cash option with a company doing my window replacements. The window company was excellent, but Enerbank has been a nightmare. The additional amount I've been paying monthly is being applied to interest rather than principal. I've been trying to contact them via email and phone for weeks and can't get through and they won't call back. Just like many other people have stated online, their practices are borderline fraudulent. Not sure how this company is showing a 4+ Google rating when the internet is full of terrible reviews like mine. Makes me question the validity of Google review system.

I used EnerBank for a small $5,000, 12-months same-as-cash financing company on a home project. They were referred directly by the contractor. What I didn't know when I agreed to use them was how difficult it would be to find out about the status of my loan! Every month they send a vague statement that doesn't actually show your payment history or starting loan amount. I believe I'm $900 from paying it off and I called to verify and I've been sitting on hold for a while - this call so far has been 54 minutes. I'm currently holding again while they "research" my payment history. What kind of customer service can't easily tell me my remaining balance/payoff amount..? Based on other reviews I think this is likely a tactic to allow them to collect more interest by making it difficult to satisfy same-as-cash loans before the end of the eligible period (then it's a hefty 18%). They finally gave me the payoff amount, and I will be sending a check ASAP for it to be done with this. I would not recommend using their services based on my experience.

We went into financial hardship back in 2018 and entered a debt consolidation program and informed Enerbank about this on several occasions and attempted to negotiate some type of settlement with them. They were not willing to work with us at all and instead of paying them the original loan of $7,000, we ended up paying them back $14,000 as they just continued to pile on the interest. Way to take advantage of the situation!

Contacted them about offering to finance to our customers. Sales rap changed the terms of the agreement twice then send the paperwork that did not match anything discussed on the phone. Very unprofessional will not do business with them.

It is easy to get a loan but you can only view your overall loan balance by submitting a request on the website or calling their customer service number. That is a very scummy practice with no reasonable justification besides making it harder to pay off the debt.

It was very easy to apply! Was approved within minutes. Received statements every month with payment information.

The process was simple and easy. Customer Service agents were very nice, polite and professional.

Never sends paper bill to my mom and trys to force her to do auto online payments that she doesn't want/ will not do. Customer service is poor.

I was very pleased with the quality of service and exceptional attention I received from EnerBank for my hot water tank installation. They are great to work with you. I’m very pleased.

Process was easy. Called customer service a couple times with questions and everyone was helpful.

It was the fastest loan process. Vary poor after getting my loan I have called and the numbers are no good. Also on line payments you can't pay more then the loan so freaking sad. I wouldn't use this company at all again.

Easy to work with and when my laptop browser was unable to open the documents they arranged to send them quickly via Fedex.

I use a bill paying via my bank. Over the holidays, the post offices got backed up they couldn’t wait to charge me a late fee even though the check had been cashed and taken out of my way before it was late. It dated by the post office as showing it wasn’t late. But they tried for 2 months to charge me late fees. I can’t stand banks that are money hungry fee seeking

I like the fact that they reached out to me to insure I was happy, with my home improvement prior to setting up my first payment.

Grateful for the quick loan approval, but can I be honest? What kind of company has a website that doesn't show the balance you own anywhere on the entire account? I log in to enerbankpayments and absolutely no balance anywhere to be found. Only my payment history. I have no idea what is going on. If you have a functioning corporation please make it easier to have customers find basic information and not wasting time calling in. Keep in mind this company exists for one reason. To confuse you and get you to miss paying off your full balance in time so they get the interest. No other reason they wouldn't have your balance show online. That is crazy absurd and on the of the worst business practices imaginable.

Everyone and everything has been smooth so far. Thanks for helping achieve one of our goals for our family

my wife and i are both very happy with the way the bank took care of us. they were very professional and fast with both the approval and the paperwork. and it was nice to have them call and check up on how good the contractor was

EnerBank worked with my contractor and with me to finance my roof. As the bid changed, they made it very easy for me modify the loan. I was grateful that this part of the process was easy -as it was major job on the house and stressful. They made the financing the easy part.

EnerBank made application & approval for a loan incredibly EASY !!! The application process took only minutes, and enabled us to replace our antiquated Air Conditioning with a totally NEW System. Your phone representatives were courteous and professional. We are so relieved, and appreciative for EnerBank! You made it affordable and possible! Thank You!

Was very pleased to get credit here for my roof redo. Very easy to work with and set up. Documents readily available.

The smoothest and most pleasant experience I've ever had borrowing for anything

This is the second time I have been able to finance a home improvement project through EnerBank. I am again impressed by the process. Your associates were efficient and reliable in getting the paperwork ready and to us. They were helpful and made the process nearly stress free. We appreciate all of their work and assistance.

I was thankful for the second chance financing while in the midst of some financial hardship.

Had friendly interview with rep Magnus, loan was approved in a quick amount of time. Received paperwork shortly. Good experience!

Process really easy, and quick. Staff really professional and friendly. Definitely great experience!!!

It was a very easy process, and all the representative were hopeful and professional. The house turned out so beautiful.

My first payment is scheduled for automatic payment in two days. So far, the process has been easy.

Avoid this company completely. Do not use them at all. 1. They do not show your full account balance online. You can't see your past balances or statements either. You HAVE to either call them, or use their feedback form on their website, to get YOUR total account balance. You are at THEIR leisure. Their "Business Owner/Customer Relations Lead" repeatedly says that they look forward to having the website show account balances soon. She has been saying that for over 4 years. They are not working on it. She is a liar. 2. Your payments ONLY go to your interest balance. Every loan and credit card I have had, my payments go to both principal balance and interest. They do this, so they can keep the principal balance as high as possible, for as long as possible, to rip off their customers for as much as they can, for as long as they can. 3. Your statements that arrive in the mail, also, only show principal balance. You do not see your total account balance at all. They do not want you to see that you are being ripped off. They are deceitful. Avoid this company, do not use for anything.

The communication was great with Ease of applying, quick turnaround, and polite service reps. Including quick response time. Highly Rated loan process.

We were easily approved for our loan to cover the replacement of our HVAC system. The representative was friendly, efficient and swift. The information that has been received since the loan was approved has been easy to understand and follow. All in all a great experience.

Your agent provided excellent information and patiently listened to our frustrations with the vendor. She provided a contact number of the vendor and assured that if the vendor does not resolve the issue EnerBank will intervene. We appreciate her help very much.

Very easy to work with and even called after the job was done to see how we felt about it. Would use again!

Enerbank has been great to work with from the beginning. I was able to set up my online account and make my first payment with ease. All around pleasant experience.

This is such a scam. Don’t believe all the reviews on google. Look them up with the BBB first. My average credit score is 720. I have good debt to income ratio and a perfect record. A contractor suggested them so when I called and got approved the interest rate was 13% they do not offer anything lower and they push you into 12 year payments on something that essentially costs as much as a small car! I said absolutely and laughably no and went through someone else. Careful who to give hour money to.

I would HIGHLY recommend EnerBank due to professionalism, timely contact, and exceptional customer service. I like the option of having a dashboard to view the contract and pay bill online. I received a good deal and rate for financing.

BEWARE PREDATORY I received a 12 month, same as cash loan for Air Conditioning services I received through a contractor. I was receiving monthly statements up until 3 months before the loan was due. Knowing that it was around August, I emailed, looked out for physical letters. I thought it was odd they stopped sending statements. Towards the end of August I called to check what happened and when I should be paying. Apparently my date had passed, even though no payment notification was made, letters, emails, calls, nothing, and they were levying a 20% fee for backed interest. I escalated and there was a 21 day "grace" period they were able to waive it and I paid my loan off in full. Clearly this is a strategy - They stop communicating phone, email, or letter pay-off date as it gets closer - Login to their site is intentionally confusing, only by contract ID, not serviceable - If there are any issues logging in or paying you must call during weekday business hours - Their "grace period" is a random 21 days, not full month as normal monthly pay terms - They take full year back pay all at once

Wonderful experience from start to finish. The process was simple, the people we dealt with were kind and courteous and professional, and we are so very happy to have quickly and easily secures the funds to get the new shower we needed at a super-affordable interest rate. Highly recommend!

I needed to get my house painted to protect it before winter but won’t have the funds saved until summer. Enerbank worked with CertaPro painters and offered a 12-month no interest loan. I’m so glad this option was available!!

Was very easy to get the loan. They also were very careful to assure the loan was in fact myself getting the loan. Was super stress free! Thank you EnerBank USA!

My loan process was extremely easy and effortless on my part. Would definitely use them again and refer EnerBank to friends

I went on to their website and contacted them 3 times in a 24 hour period asking them to email me my pay off amount because the website does not provide that information. Finally I had to call them to get that information so I could pay off my loan with them. The person on the phone was nice, but I should not have to send 3 email asking for my loan balance and I should be able to see it when I log in to my account on the website. I can not recommend this company at all.

The whole transaction for doing my home improvement project was extremely easy and financing it through enerbank was introduced to me by the contractor. A few clicks on an agreement via the internet and the job began in a couple of days. Super easy, well explained and more than convenient especially in these times.

The AC in our house was on its' last leg. Our AC guy hooked us up with EnerBank for the financing, which was awesome. We got a really nice APR on the loan and will be able to have zero if we can pay it off in one year. Not likely for us, but the interest rate will help us greatly! Thanks, EnerBank!

Excellent customer service. Great job in explaining the terms and conditions.

The application process was simple and straightforward. Interactions amongst EnerBank, my contractor, and me were needed, and made for a smooth transaction.

The borrowing process with EnerBank for our home improvement project was easy. Plan to pay our borrowed amount back within the 12 months grace period so we avoid all interest fees.

The time to remodel the kitchen and dining room was here and my funds were getting low so after meeting with my final contractor they offered a payment option that worked for me, time to pay off debt with no interest. The process was quick and easy and the representative who took my application did so with courtesy and professionalism! Within minutes I had the loan that worked for me! If ever I need their services again I would do so! And I highly recommend them! Thanks EnerBank! Satisfied Customer!

Very easy to deal with. Prompt service/replies.

If no stars was an option, that would be my rating. Feel completely duped out of 1,500. Completely mislead and when I questioned it, it took them a month (and another monthly payment) to resolve.

Thanks for working with me had to change the kind of loan i got through a plumbing company in my area , they changed the amount i needed to get the job done. no problem, easy to set up payment to make from my bank to Enerbank, didn't even need any paper work all online . great !

Your agent provided excellent information and patiently listened to our frustrations with the vendor. She provided a contact number of the vendor and assured that if the vendor does not resolve the issue EnerBank will intervene. We appreciate her help very much.

Enerbank enabled me to purchase a new HVAC last summer when we really needed it. They have live, caring representatives too! Today I worked with Camille on a payment issue and she was highly knowledgeable and able to fully resolve my issue. I recommend EnerBank!

Great company. Clear, concise, user friendly

Everything to establish the home improvement loan went smoothly. The bank’s website worked properly. And I got a follow up phone call from a real person to make sure that I understood all the details. Much appreciated.

So far everyone has been very pleasant and they seem to appreciate the customer. They seem to be very concerned about how they are doing and if they have provided great service. They called and asked a couple of questions concerning the work done at my house, but I haven’t had a chance to look in my attic yet to see what was done and if it is done correctly.

In 1980 I bought my first 100% electric car. In 2016, I bought a PHEV. I wanted it to go down the highway using power from the sun. So I bought, a house and wanted it to be 100% solar to. I bought enough solar to replace the power company and have a high SEER ductless HVAC system to help guarantee overall success of the whole process to replace resistive heat from baseboard electric heat. It was all a dream, without EnerBank my dream would have not come true. EnerBank is The Bank that makes dreams come true. Easy and with friendly great terms to get it up and operational.

If no stars was an option, that would be my rating. Feel completely duped out of 1,500. Completely mislead and when I questioned it, it took them a month (and another monthly payment) to resolve.

Awesome all around. Mike for RS ANDREWS was able to get us setup in less than a week after reaching out to him concerning our HVAC system. Highly recommend!

It was a very good transaction from the start to finish, they kept in touch and checked on how the contractors were doing and even called a few days after the job was done to see if I liked the work they did I give them 100%

Smart Customer Service. Checked to make sure contractor did as promised and identified my terms with them. Same as Cash for 2 years!

Overall it was a good experience. There were a couple people who needed more training, but more than not knew their stuff. Our house being a new build and needing dried in we needed extensions. You made that process easy for us. Only 1 person didn't know what to do.

I like the way that many questions from my point of view are already answered and this i find very user friendly. I really don't like to have to feel anxious with a new large loan and have to start looking for my important pertinent information Thank you

EnerBankUSA's customer service representatives are excellent! They are knowledgeable, gracious, and appreciative......and it was MOST refreshing NOT to be on hold for an extended period waiting for a real person to talk to! I have been very satisfied with the service I have received

The application and approval for my EnerBank loan was quick and painless. It really helped make my decision with my home improvement project. I decided to enclose my Florida home patio with glass sliding windows. This made the decision a no-brainer!

This is the third time we have used EnerBank and couldn't be more pleased. The Same as Cash option gives you the opportunity to make your own payment plan and is a wonderful incentive, I recommend them to all,

Honestly, if it wasn't for EnerBank's financing option, I probably would have purchased elsewhere. The 1 year same-as-cash with 5 year financing option was the perfect solution for us. Initially the price tag was a little intimidating, but as a home owner, it was a purchase that was necessary. EnerBank's assistance made the purchase painless & easy.

Very easy process to apply and they called me whenever was the next step involved.

Your institution was very easy to work with. However, while signing documents was easy, finding a way to make a payment on my loan was not. Had to do a google search to locate your payment portal. This information should be included in the loan documents.

We didn't qualify the first time we applied. I worked on my credit and got approved after 2 years. We now have air conditioning in our old house.

The process was pretty seamless. One web issue, but a quick phone call and all was well. Our solar installer offered an 18mos interest free finance through EnerBank. Easy to deal with all around.

Needed to get a new unit for the house... this process was easy and the interest rates were good. I have the option to pay off early and set up automatic payments.

Smooth process to set up a bath remodel loan with 12 month same as cash. All documents were provided online and signed at our convenience.

We have had a good experience with the entire enerbank loan process. Clear communication. Quick response times. Excited to get our project completed.

Informative friendly staff, adequate follow-up not too much, not too little. Quick and easy application / approval process. Used them to finance finishing my basement, would certainly use them again in the future if need be!

The lending process was excellent. Talking to the customer service people was a thorough, professional, and easy experience. I do have a concern with the website as the information about my loan is limited. I sent a payment 3 days ago, electronically, and it still isn't showing. My balance and activity isn't available online, to this point. Perhaps the only update I'll receive is the paper statement???

Fast, efficient and friendly. All you can ask for these days.

I still don't know how competitive their rates are, but I'm impressed by their customer service! They called (unprompted) to be sure all the work was done. When I told them that something was installed incorrectly, they asked if I had it in writing that it would be fixed and let me know that if I had any problems with it not being completed to let them know. I feel like most companies would tell me it's my problem, not there's, so I was quite impressed.

We were extremely pleased with the ease and quickness of getting a loan for a much needed air conditioner/heat pump for our house. Yall were lifesavers..

Just in case our prior email was missed, we are reaching out once more. EnerBank USA Dear Alex Schmeisl, Thank you again for the kind words you shared about us in your recent review! We would be grateful if you could share your review with others on how we are doing. Below you will find two links to online review sites. If you could simply copy and paste what you wrote earlier (see text below) into the review form on one of these sites, it would be very much appreciated! Thank you and have a wonderful day! Google Click Here To post your review Your Original Review Job well done and helped me ready house for future sale If we can be of more service, please let us know! FDIC Unsubscribe

Helpful in understanding what was requested. I would suggest that when you send emails that there are documents waiting to be signed, that you indicate CLEARLY and PLAINLY either in the email itself, or my sign-in page, what the scope of the document is, and when in the course of the project it needs to be signed. I did not know until I received the call from your team that I was premature in signing the online docs. The call was very helpful.

Excellent way to finance a large home improvement project to allow for completion of work, while deferring payments to facilitate cash management.

Website forces users to change password every month but blocks use of password managers. THREE separate websites for documents, loan details, and payments. The payments site does not even show the remaining balance... Login requires access to my VR headset and requires disabling browser protections.

Loan application and approval was quick and easy.

Great bank and easy to work with. The rep on the phone really knew her stuff nad was able to answer all my questions. The on line application and signing was great. Only problem I had was getting back into system to down load forms but rep mailed copy the next day.

Customer service was very helpful and friendly, as was the person contacting me to confirm the work was complete. Rates are very reasonable. I would recommend Enerbank to friends and family.

Working with the EnerBank Representative to set up our 12 month same as cash loan was quite simple. The Rep walked us through everything over the phone and explained how activating the loan would work and the process for doing so. I was very pleased.

A customer representative (April)answered my questions to my satisfaction. She was courteous professional and helpful. But the response time for the call was a bit too long. Hope the response time would be reduced.

I have never had everyone of my questions answered in such detail. It was a true delight to work with them. It made the whole process so easy!

I don't really have any comments other than everything was easy to set up and any questions I have have been answered. I rarely ever give anyone a 10, but I must say I am happy with how everything has worked out.

Very poor customer service, unprofessional and UNETHICAL! I hardly rate or write reviews! But after dealing with the company (EnerBank) I feel the need to express my feelings, frustrations and level of anger over how they are treating a returned coustomer. First, I had two accounts (loans) in the past which I paid off full. Then I/we decided to get solar system for our house and EnerBank was introduced to us again. We though great, let’s do the business again. Well, it’s been hell trying to speak to a competent person on the other side of the phone line for the past a few months! (From November of 2020 until 01/21/2021). We were trying to pay off remainder of the balance which is app $13k; payments were submitted I called and they (Any) assured me they account is closed and paid off. Then I realized something went wrong and part of the funds were not withdrawn from my account. I had enough funds so that was not the issue. So I called EnerBank and informed them that the funds did not leave my account and that I want to pay off. Again I was told that the account is closed and is paid off. Now today (1/21/2021) I called again...just to see what was happening, and to my dismay I was told that my balance + plus interest rate. Which was very unfair MCB I requested to speak to a supervisors I was that they someone will get back to me in two business days. Today I spoke to Rego, who had no clue what was happening and again I was told that someone will back to me in two days. Soooo now, at the worst economic time of our lifetime, I am trying to pay off a loan and I can’t get through with a competent person. Hopefully ANYONE WHO reads this never selects EnerBank. They are very unprofessional, unethical, disrespectful and frankly I think they are operating some scheme. Hopefully someone is able to catch up then. SAY NO ENERBANK

Very poor customer service, unprofessional and UNETHICAL! I hardly rate or write reviews! But after dealing with the company (EnerBank) I feel the need to express my feelings, frustrations and level of anger over how they are treating a returned coustomer. First, I had two accounts (loans) in the past which I paid off full. Then I/we decided to get solar system for our house and EnerBank was introduced to us again. We though great, let’s do the business again. Well, it’s been hell trying to speak to a competent person on the other side of the phone line for the past a few months! (From November of 2020 until 01/21/2021). We were trying to pay off remainder of the balance which is app $13k; payments were submitted I called and they (Amy) assured me the account is closed and paid off. Then I realized something went wrong and part of the funds were not withdrawn from my account. I had enough funds so that was not the issue. So I called EnerBank and informed them that the funds did not leave my account and that I want to pay off. Again I was told that the account is closed and is paid off that was on 1/4/2021. Now today (1/21/2021) I called again...just to see what was happening, and to my dismay I was told that my balance + plus interest rate is due. Meanwhile EnerBank sends me a letter stating that the balance is paid off! Which was very unfair and I requested to speak to a supervisors I was told that someone will get back to me in two business days. Today I spoke to Rego, who had no clue what was happening and again I was told that someone will back to me in two days. Soooo now, at the worst economic time of our lifetime, here I am trying to pay off a loan and I can’t get through with a competent person. Hopefully ANYONE WHO reads this never selects EnerBank. They are very unprofessional, unethical, disrespectful and frankly I think they are operating some scheme. Hopefully someone is able to catch up them. SAY NO ENERBANK I will be be filling an official complaint with BBB

Do not do business with this company. I cannot think of another financial entity in 2020 that will not allow you to manage your account online. This was NOT disclosed initially or I would not agreed to do business with them. All you can essentially do online is make a payment. You cannot view any of your actual account info. I tried multiple times to call and have a professional conversation with someone about this but you are always told there is no one that can take your call other than to just take a payment. The only way you will know your principle balance is when they send you a statement in snail mail or call and wait for 30+ minutes.

Sent a check in for my monthly bill. I noticed it wasn't cashed so I started calling every few days to see if it was received. When it got to be 4 days before the bill was due I called again for a 3rd, and final time but they said it hadn't been received so I stopped payment on it, and paid electronically instead. The account was paid on time and in full, but now I received a late payment notice from their collections department saying they got the check and couldn't cash it... They didn't even both to see that the account was up to date before MISTAKENLY sending me to their collections department and slapping me with a late fee. I tried explaining this to Lindsey C. (whi is listed as an owner on yelp?) and she literally told me I lied about being on hold for 45 minutes while trying to reach someone to fix this and that they tried to cash the check because they thought it was an additional payment that just happened to be for the same date and dollar amount. When I called her out on that and said it made no sense she then called me a liar and said I wouldnt have been reported if my account was actually paid. Well? I reported ya'll to the BBB because I have proof from the Enerbank USA website and my bank that is was indeed paid on time. What kind of sick company and associate treats customers like that though??? Hoping we can transfer to a different institution that is ran by those that can add, subtract, and treat customers like they aren't criminals for paying their bills on time and in full. AVOID THIS COMPANY!!

The loan process was customer friendly and this made it a smooth transaction. My representative was very professional and provided excellent service. She was detailed with her delivery of information and answered my questions. Also, it was not a lengthy process.

It was easy enough to get the loan and the rates were okay. Up until recently I've had limited interactions with customer service staff. However, my most recent interactions, trying to address an overpayment caused by a glitch in their online payment feature, they left a lot to be desired in terms of issue resolution and lack of consistent information.

I think you did a great job with the loan process itself. However I don’t believe that you did that great of a job deciding on what amount of credit we were able to receive. I asked for an explanation of how the decision was made with the rep on the phone and they were not able to tell me. I also asked what I could do to raise the limit because I had many months before the job was done. I was also advised they couldn’t help me.

Fantastic product - able to borrow to pay for a new AC Compressor for 1 year at no interest. Only negative feedback was that it was not easy to communicate with a customer service representative when I needed to use the online system. Once that happened it was very easy and the online system was great.

Very easy to do and their customer service reps are fantastic about explaining things and walking you through the process. Best of all, your loan term does not start until the job is complete! (I have worked with another company and my loan started at the time of sale and loan approval - more than three months before the work was done! On a 12-month same-as-cash agreement I found that unfair and annoying!) If you plan on paying your loan off within 12 months, EnerBank USA is terrific!

Quick - easy - friendly reps - 5 stars!

I understand if I pay a bill late, even after a grace period, there may be late fees. I understand that, under normal circumstances. A lot of people were and are affected by COVID 19. This does not matter to EnerBank USA. I paid, let me repeat, paid my bill 13 days late. This is 3 days outside the grace period. They charged me a 30.00 late fee. They have no forgiveness in these abnormal times. I will never do business with this establishment ever again.

Outstanding Professional Business that other lender's should follow.

First of all thank you for all your services and giving me an opportunity to write feedback! The loan application process is extremely easy and flexible. Secondly no hassle in approval. Third the loan payment application is very user friendly. BUT I still cannot give 10 of 10 points because the loan payment application DOES NOT have facility to track the total loan amount applied for and remaining loan amount after every payments. Which really bad and keeps in blind zone to customers. How would anyone know for how long they can schedule auto payments and how much is remaining?

EnerBank USA: Super company, very efficient and friendly. Easy transaction from start to finish. Paperwork completed in one day......we are certainly happy with our results. Service company received their money in a timely manner...….we are all happy!!! A+ from us!

I received a letter in the mail today. It had my current bill plus $90.00 in late fees. I called immediately and spoke to customer service. She explained to me that the late fees go back to May. I never once received a late fee notice and still had to pay $60.00 in late fees. I will never use this place again after this loan is paid. I will make sure I let everyone know about this company and how they treat Veterans and people in general. Do you as a company know what is going on and that some might be late on their payments, we can see it's all about the money with this company.

Great Service. Got approved in minutes. They also do quality assurance on your contractor. I would recommend

It was a great experience regarding initial loan application, processing time, and all online loan documents were very clean and easy to follow and understand.

Like how quick you get approval and know what your payments would be. Very happy with the financing.

We just started together and so far things have gone pretty good. The only thing I've had to do is call to get some clarification around the electronic documents/signature process. I was trying to print off my loan documents and they wouldn't print. I did eventually discover (the next day) that they were PDF files, but no one at EnerBank Customer Service, tech support or the software they were using, seemed to know that. It wasn't a big deal, but it did cost me some time that didn't have to be lost.

I had a wonderful, kind, and knowledgeable Lady that walked me through everything to have my payments automatically withdrawn.. THANK YOU, CHERYL T.

Although I have only a little experience with EnerBank (my first payment hasn't been due yet), from what I have seen this is a company who treats their customers with kindness and respect. I look forward to my future business deals with this company.

This company was excellent to deal w/from the start! The loan process was fantastic! Top notch employees, great follow up as well. Fast, courteous, professional. Highly recommend!

No issues getting approved, they make that part easy. However once you have an account, the Website is poor. No available balance via portal, unacceptable. And a fee to make any payments, serious? Poor very poor.

I love the interest rate that was offered. Everyone answered all my questions and were very kind. They helped me finance my home improvement project for an air conditioning unit.

The process with EnerBank was easy and the communication is great! I am also impressed with the website and I am looking forward to paying this off ASAP!

Absolute WORST customer service I have ever encountered in my life. I have been having a loan/project that has been on hold/delayed for a long while due to the Covid Pandemic. I have asked for extension due to this and the week before my project is to be worked/almost finished; they want to tell me that they can't/WON'T extend the loan again. None of these delays have been in my control, I have tried to get this project started multiple times but due to the covid pandemic, permitting issues, and the project manager getting covid himself, I wasn't able to start until the last week of August. A week or two before they are to put in the cabinets, ENERBANK wants to put me through hell just to get the second half of the money for the contractor. I can't believe that I have been going through this bank or having to deal with this unnecessary stress over and over again. None of the people there or banking lender or senior lenders have an ounce of common sense nor do they have any ounce of customer service.

Everything has been great! My reason for giving 4 instead of 5, is that when we applied, the agent on the phone did not know that we got a $9,000 same as cash loan. He argued with our agent and got rude until I asked him to verify the information with his superior. When he came back on the line he did not apologize, he simply gave us the correct numbers.

Smooth and easy process! I also appreciated that they even checked in upon completion of the services and asked for a rating of the installation company.

This is a new relationship but so far a pleasant one. Process is quick and they are accurate and precise. The staff are professional, very courteous and most of all knowledgeable and answer questions completely and no hedging around a point.

The whole transaction for doing my home improvement project was extremely easy and financing it through enerbank was introduced to me by the contractor. A few clicks on an agreement via the internet and the job began in a couple of days. Super easy, well explained and more than convenient especially in these times.

EnerBank was easy and quick to manage our loan for repairs through Nova Basement Systems.

You guys did a great job. Chris was very helpful and resourceful. Thanks for a job well done.

Smooth and easy process! I also appreciated that they even checked in upon completion of the services and asked for a rating of the installation company.

Awful customer service with the worst APR rates. Typical big wig owners who spend no money on customer service reps

We recently got a loan through Enerbank to have some work done on our crawlspace. The application process was quick and easy. We just made our first payment and things went smoothly. I gave them 5 stars although I have yet to see how they handle complications and complaints, which is always the test of a good business. I hope I can continue to rate them highly. As of right now, I would highly recommend them.

Easy to work with through our contractor and made paying for solar panels that much easier.

The deferred 0% financing made it very easy to get my new AC and Furnace. I don't need to worry about a payment or pay off till next year. Thanks for making my summer comfortable.

I enjoyed the people that i worked with there are some underhanded ways on how they use people that go through Temp Agencies, so make sure you obey all the rules dont forget small details and watch out for Jordan Anderson, she puts up a nice smile but she really is an evil person. She didnt even let me finish my contract, but luckly Im a strong person and found a good paying job a week after being let go from this hell prison.

I was disappointed that I could not use my credit card to make my payment.

Terrible experience, they never provide any information of your loan, no statements, no loan disclosures, the website is so limited. Not recommended at all. this is how it looks in your account unacceptable. Can't believe so unprofessional lenders actual exist in the market.

In our first experience with EnerBank, we found the staff to be cordial, efficient and immediately responsive to our questions and requests. The folks at EnerBank USA made the process of repairing our home a pleasant and timely experience. We have nothing but the highest praise and thanks for this lending institution!

Customer service was extremely nice and helpful. They explained everything well so we wouldn’t have any surprises. I would do business with them again.

Web is not user freindly when there is 2 people to sign that share the same Email where told to just go on and make another account ,but it doesnt let you called oh well u have to add another letter to make it work was not told this was not told both had to sign in the first place was waiting almost 2 months for payment info then I had to call and ask why we didnt receive payment info yet and then was told they were waiting for my wife to sign.I shouldnt have to call you to ask you should be calling me. Finally got that taken care of and they call me cant answer at work been calling you back for 3 days put on hold hang up after40 min. Talk to 2 receptionist 1 who had no clue another said she would have that department call me back 6 hours later never happened still waiting have no idea what there calling for.

It was easy process to apply, but once signed up and approved no more communication along the way until it was time to pay the contractor and I am owed a few dollars and no one seems to know how I get that.

High interest rates, poor customer service, inadequate customer portal, and a guarantee to get hung up on when trying to payoff your loan. Good luck getting a hold of anyone to try and file a complaint. The management will hang up on you as well.

Great overall experience and as advertised by the contractor. I've been a lender for 16 years, own my own company. and have lots of finance avenues. This product fit best! Great communication, no surprises once the loan docs came, and the rep was uber responsive. Keep it up!

While the application process was fast and easy for my "12 month same as cash" loan, the instructions regarding the payment schedule weren't very clear. The paperwork I received made it sound like I had to make 2 payments, 1 prior to 6 months after loan origination and another prior to 12 months after loan origination to avoid finance charges. I subsequently found out I only needed to make 1 payment prior to 12 months after loan origination to avoid finance charges.

Absolute worst. If you call, you have to stay on hold at least 30 minutes. There is no app to navigate account information, only make payments. Payoff sent on the account 2 weeks ago and has been cashed, but not posted on the account yet!? Hopefully will be better for those with accounts after all is transferred to Regions. I would never do business with Enerbank ever again.

1. Too much incompetence to even list. 3. Then add 28 minute wait time on my SECOND call. This second call occurred after.. 2. I was dropped/cut off/hung up on after waiting 18+ minutes. Take your pick? 4. I communicated with a person. Turned out to be 15 minutes of my wasted breath. Appears to be a skeleton crew. Big money cuts their employees for more big money. Nice. It uses the word Bank in it’s name. Is it really a bank? I don’t even know. Will look and find out now. It’s NOT A BANK as they just happen to use in their name. It is a FINANCE COMPANY.

I understand that the statements for this particular loan can be confusing. If you do the 12 months same as cash balance it does not matter what the principal balance says, it’s all in the same as cash balance. I noticed that most of my payments were going to principal, however they assured me that if I paid it off within 12 months of project completion, not loan origination but when I receive the funds, that I would pay no interest. We fully paid our entire loan before 12 months which was June 2. The loan origination was May 2, however we didn’t receive the funds until June 2. I just called to confirm that they have received all the funds and I am paid in full. The reason they show the principal balance and what payments are going to interest, because they charge interest from the first day the loan is funded (this is the day you receive funds after your project is completed) if you do not pay it in full in 12 months. Which they have clearly stated upfront and are in the terms of agreement. I understand that it can be confusing, but this is a really great company that does what they say they do. We used them for $13,000, and paid that off in 12 months. Again I reiterate the only thing you have to pay attention to it is the same as cash balance and as long as you pay it off in that interest free time period, you will not pay any interest. Yes 18% is high but they typically deal with people who do not have high credit scores. Honestly speaking if you don’t have great credit then this is the best way to go even if you don’t finish all of the payments. We had a plan from the beginning, because we do have good credit, that if we did not finish paying it we would have taken a lower interest loan from our bank to finish paying it off. I think it’s important to understand what you’re getting into and why Enerbank is doing what they are doing, which is why I think they’re a great company. Honestly speaking 18% when you have bad credit is phenomenal. I have had bad credit in the past and have had much higher interest rates than this, thank goodness I have fixed my credit and have a better understanding of how it works. Again I paid no interest because we were able to clear the whole balance before the end of the year, but had we not we would have taken another loan elsewhere to cover it so we did not have that interest rate. I hope my post helps and that folks realize if you pay it all in the 12 months or whatever agreement you come to with them you will not pay interest even though the statements are confusing.

I used EnerBank for a small loan, 12-months same-as-cash financing company on a home improvement project. They were referred directly by the contractor. What I didn't know when I agreed to use them was how difficult it would be to find out about the status and balance of my loan! They send a vague statement that doesn't show your payment history or starting loan amount every month. I don't know how far I am from paying it off, and I called to verify, and I've been sitting on hold for 30 minutes, still on hold as I write this. I think this is a predatory lending practice to allow them to collect more interest by making it challenging to satisfy same-as-cash loans before the end of the eligible period; then, the interest rate is tremendous! When I finally get through on my call, I will be paying this off and NEVER using this company again! The online payment (screenshot) shows how they don't even show you your loan balances or anything when making a payment, only your payments and NOTHING else. It's like they don't want you to know. Hmmm... I will NEVER recommend using this bank's services to anyone!

If you are in need of a loan or financial assistance do not use Ener Bank. The financial institution/bank is the absolute worst place to even attempt to get any assistance. The employees prefer to speak over their customers. I’ve called looking to get information on my account and been bounced from one representative to another. Then told only one person is handling my account and she works from home. These employees have the unfortunate habit of liking to speak over the customers. Just recently after asking for management I was on hold for more than 30 minutes after speaking with Logan, Trish, Kami, and I still was unsuccessful in getting the information that there was only one account and the other account reporting to credit bureau’s was closed. If your thinking about using this financial institution seek other alternative options with other banks. If you are looking for a financial institution to help you and stay on top of your financial finances. Stay far away from Enner Bank I have never dealt with such unpleasant experience and excuses from this bank.

I had never heard of EnerBank until we put a water treatment system in our home. Offering 48 month at zero interest was a major factor in choosing them.

As a lender, you are fine. You should have another customer care call to verify if all the work has been completed. If the the work has not been completed, then call company as to when it will be completed. I say this, because all items are installed, but not completed

This was the easiest over the phone loan approval I have ever done. I will definitely let others know that working with USA Insulation and EnerBank was the best I could ask for.

*****It was a good experience to get the loan and easy, and they cover my nessecites, thank you Enerbank

Wonderful to deal with! Love that the loan is no interest as long as it’s paid back in one year!! Very easy to set up my account with them!!

This went from 2 stars to 1 star after I talked to the second person. Poor customer service. Waited on hold for a total 45 minutes. The first guy that picked up, barely audible, speaking in a very low voice. It wasn't a bad connection. I told him I could barely hear him and he hung up. Guess he wasn't done with his nap! I had to call back and wait on hold all over again.

Paperwork was user-friendly easy, and when I needed tech-support they were very helpful.

Enerbank is so awesome to work with!! We have had a few helping hands from them and they always come in at the perfect time!

I would give zero stars if possible. This loan company works with fraudulent contractors and has no legitimate system to vet them. They will believe the contractor over the client's proof in any dispute. Do not work with this loan company.

Enerbank treated me like a person. Went the extra mile in reviewing my credit worthiness to discover my salary was much more! As a result, I was able to buy a much needed heater and air conditioner for my home.

So far, so good. We've only just begun. I hope there are no bumps along the way.

Applying was simple, quick, and instant approval. Follow up was wonderful, and continued customer service. Highly recommend!

It was a pleasure working with EnerBank. They are helpful and genuinely care about their customers. They followed up with us throughout the process and never released money without first checking with us.

Quick and easy process. (yes it is easy when my credit score in well into the 800's). On the application date it was 826 (or 828). But they were easy to work with.

EnerBank was very easy to deal with. We had some problems with paperwork on our end and they were very understanding and helped us with the process. They even checked to make sure our project was completed by our contractor to our expectations. Thank you for all your help !!!!!

This experience was smooth and fast..I would pass on how helpful they were... Thank you

getting the financing was easy and uncomplicated. I need the rest of my windows and doors finished and I hope I can continue business with you.

Was very helpful when we decided to pay off the loan amount.

I made a mistake similar to others. I was sold a solar system and was told the interest would be the low fixed interest rate. I decided to help pay the loan off quicker. I would more than double the payment. The problem is identifying what the actual terms of the loan are and where the funds are allocated. I’ve had numerous conversations with my solar installer and the company itself and still find the loan process unclear and frustrating. I should easily access my information online and identify when things will be paid off. I will be filing a complaint with the better business bureau.

It was brief and so easy to get approved. Evan explained everything clearly and patiently. Evan is a rockstar!

I really appreciated the fact that the payment didn't start until the job connected to this loan was completed and satisfactory. This was a pleasant surprise. I felt like you were looking out for my best interest. Thank you!

Great customer service! We received a quick response at each stage: - At the origination of the loan request for purchase from Windows Doors and More. - Once the project was complete we received information via USPS - Received a follow-up by phone to ensure we were satisfied with WD&M

The loan was easy to apply for and approval was fast. The new kitchen we had installed looks great.

VERY PLEASED AND GRATEFUL, absolute professionalism from the onset to finish. Lee was the first person to come to my home and gave a thorough inspection of my issues, I explained to him I have had several others to come out, so now I needed him to advise me on exactly what is needed, not just to get by, I needed truth. He in the most professional and caring way did just that, Also spoke with Stephen he also was gracious and professional. I am very grateful to God for leading me to this company.

I had a great experience dealing with EnerBank, They made process entirely easy and painless for me.

Had a pleasant experience with my home improvement project

We had a good experience with Enerbank. They were easy to work with, communication was clear, and we are happy with our loan option to pay in full before a year with 0% interest.

The loan was easy to obtain. Everyone was professional and we had the option to pay same as cash. Great experience !

Thanks for working with me had to change the kind of loan i got through a plumbing company in my area , they changed the amount i needed to get the job done. no problem, easy to set up payment to make from my bank to Enerbank, didn't even need any paper work all online . great !

Pleasant staff, made changes I required easily,would highly recommend.

The job was done very professionally with very little mess. Chris was very enjoyable to work with and worked very hard. We are very happy with the results.

Great company with reasonable rates and easy approval process . I would definitely recommend. Update .... I had to come back and take away 2 stars . The online payment portal is horrible. There is no way to see your account balance or the amount of interest charged . Their is absolutely no transparency with fees and balances . In 2021 this is unacceptable. I called and the agent stated the only way to get this info is to call or wait for monthly statement. This is Ridiculous. It makes me feel like their dishonest .

Interest rate could be better based on my credit score.

Very fast and simple to apply! Overall took me less than 5 mins to fill out and find out approval for. Terms are more than fair and would definitely use again for future home project loans.

When my furnace died, I had no idea how I was going to pay for a new one. EnerBank was there when I needed it. There was no problem with using their website, it shows how much you owe, what you paid so far, and allows management of your settings. The whole process from beginning was made very easy. I even received a call the week after to make sure all was good.

Needed a loan for some home improvements and got the loan in a timely manner and the works done, and was given plenty time to pay off the balance.

Easy to work with. Reasonable rates in today's market.

Early so far but good communication and easy to work with so far.

Nice Experience all done by phone. Approval was quick and the contract is straightforward and easy to understand. Just do not miss the end date for payment in full. Interest charges for top tire customers are off the chart. No pre-payment penalty.

HORRIBLE experience for OVER one month! We had a young lady take our FIRST attempt at our loan application. We spelled out ALL names phonetically and there were still GROSS errors on the application we were to sign. It took MULTIPLE PHONE CALLS from our salesman (in our presence) AND people from the contractor before the errors were corrected! EACH time we spelled out EVERY name phonetically. AFTER the THIRD try (one month after we submitted the application) we were FINALLY presented with a correct document! I do NOT think this is in any way our/salesman fault. In EACH conversation with ANYONE at the bank, I explained our initial experience. EVERYONE APOLIGIZED, BUT NOTHING CHANGED! Several of those I spoke with saw/expressed the initial application's GROSS errors and wondered how so many errors could have happened. They agreed that we should NOT sign the application until EVERYTHING was corrected. We can only HOPE that our future experience will be better!

Very friendly, responsive staff. Easy to work with

I applied for a loan with EnerBank USA as part of an HVAC installation project at my home. EnerBank has an agreement with the contractor I chose for the job, Leinbach Services of Kingsport, TN. On the positive side, EnerBank applications are very simple and can be handled completely over the phone, with email, and through their website. I was given approval for my loan within ten minutes of applying. Completing the paper work was hassle free. On the negative side, these type loans are unsecured and based upon risk. That is to say, everything rides on one's credit rating. While my credit is at least "good," it is not excellent. As such, the interest rates on my loan were a bit higher than I would have liked. Since I plan to pay this note off VERY quickly, I went forward with it. That being said, if you are considering financing, you might looking into something like a HELOC from your bank. The HELOC option is particularly attractive if you have more than one home improvement that you want to do over a span of time. So while better options may be preferable they are not always open to every customer. If one has to go with an unsecured risk type product, you can do worse than EnerBank.

This process was more difficult than refinancing a mortgage. After months of back and forth... being told "you are good for the full amount" 2 hard inquiries on my credit report by them drops my score so now all of a sudden "we can only do this much based on your score" So many delays that the application expired. Extremely disappointed in this service, got the run around, waiting for calls back, having to send and resend information. I will never use this service again.

Very easy to work with! I got approved over the phone in one phone call. The construction on our home was underway the next day. Easy terms, very friendly

Very courteous and polite. Efficient and fast with getting me my loan for my roof. They were pleasure to work with. They gave me had a great rate too. Thank you EnerBank.

Enerbank enabled me to purchase a new HVAC last summer when we really needed it. They have live, caring representatives too! Today I worked with Camille on a payment issue and she was highly knowledgeable and able to fully resolve my issue. I recommend EnerBank!

The interactions between the contractor, myself, and EnerBank were clear and professional. After the work was completed, EnerBank called to validate that the job had been satisfactorily completed. The paperwork was mailed and promptly received.

Quick and easy! Would recommend to anyone!

Great customer service. Love the no phone calls needed communication by E-Mail

Very easy to do business with. Associates are polite and helpful. Highly recommend!

We had a good experience with Enerbank. They were easy to work with, communication was clear, and we are happy with our loan option to pay in full before a year with 0% interest.

Recently loan for my new AC+Heater package was so easy processing with EnerBank USA and set up for payment too. Giving a year of no interest is a big boon for such large unscheduled expense.

My contractor was unbelievably impressive. Workmanship was impeccable and the unbelievable part was the loan wasn't signed off until the job was done to our satisfaction... never been there before. All parts above and beyond exemplary. Would do this again any time the need arises.

Very easy to apply for a loan. Fast in responding and fulfilling the agreements. The loan was closed in no time. Will definitely be doing business with them again.

I appreciate the personal call from EnerBank about Major League Builders. That phone call made my bad experience with the company seem important. As if, my opinion (whether good or bad) mattered. EnerBank cares about their customers.

Camille Summerhays has been so helpful with reminder calls and understanding while still encouraging me to pay as much as I could on time. I wasn’t worried about answering or returning her calls as she didn’t belittle me and treated me respectfully. Thank you very much for giving me the loan and helping me make sure it is paid off fully.

Easy to work with helpful and answered all my questions. Website is good it was easy to set up automatic payments.

The process was simple and quick. There was no hassle or pressure. Work was finished last week and the billing arrived this week which I truly appreciate. Terms are excellent. I recommend this company.

Always polite, kind, informed associates! Great service!

We used this Company for 18 month same as cash. I found it difficult to get connected to the right person via telephone. And I would prefer email communication . So far the terms are fair and there have been no surprises.

So far experience has been good. The process to get the loan was easy, they followed up extending the approval when the project got delayed due to COVID without me having to call them, and they followed up to make sure work was complete. The contractor wasn’t great to work with however I would definitely use EnerBank again.

Customer Service was very satisfactory. Was quickly available when ever I called. Accommodated my request to change the loan parameters within reasonable time.

EnerBank is a great service but stay away from the window company Save Energy. Their work was sloppy and their service had false misrepresentations and out right lies.

The process was easy, we would have like the first interest rate from the quote ,however, we used a different contractor so the rate was different. There are no prepayment penalties. That makes it good . I think you all maybe useful in the future we are working on home improvements.

The rate is a bit high, but I believe that is due to all of the credit I have recently taken on, I have heard from others who have received much more reasonable rates. Other than that the process is perfect. I love how the final half of the money is not released until I say so, i.e. a job has been completed successfully. The process was quick and easy! I have no recommendations for improvement. I do recommend improving your payment site. There is no way for me to see how much of the loan I have left, how much I have paid, etc. A quick and easy account dashboard is recommended showing amount paid, amount outstanding, interest paid to date, etc.

I felt that the customer service was excellent. The representatives I worked with answered all my questions. When our project came in above the original estimate, they were very helpful in increasing my loan. The payout went seamlessly. Thank you!

Our experience with EnerBank has been great so far. The application process was straightforward, quick, and easy. They offer multiple financing options. Our documents were delivered the same day after the project was completed. I highly recommend them.

EnerBank was there when I desperately need help when other institutions turned their backs. Thanks EnerBank!!!

The installation was done by Joe and Jermaine. They were very professional and polite. Would recommend them. Great job fellas

Very nice and knowledgeable ppl,great experience

Very easy process, and I appreciate the interest free loan deal I got for the first year.

Process quick and simple. Communications were very thorough. I would recommend EnerBank to anybody looking for home improvement

The paperwork process was quick and easy to follow. Having to refile forms d/t time running out was stressful, but the process was seamless. We finally had our windows installed after applying last November. The 48-months same as cash deal is the best part!

I’m the CEO for a medium sized company and deal with many banks. I must say that EnerBank is Very fast, easy and provides an excellent experience! They answer all your questions promptly and are easily accessible to talk with. For my home project, EnerBank contacted my contractor and set up the entire arrangement. I recommend them highly.

Good: Minimal paperwork, worked with us to pay in a year without interest. Bad: Did not explain fully how the interest work. Rate was credit card like. The website and statements never broke down payments to show pay-off quote, total interest being paid, and a history of balance payments. It also took 15 to 45 minutes to get a person on the phone each time I called to request information.

"You're number 53 in the queue, please go to our website to fill out a contact form." No way to check balance online. No way to check balance or make payment at the 800 number if they are closed. In the year 2021 there is no excuse for lack of accessibility to my own financial information. When I got this loan, I was in a bind and only had a few options. Now I am not, and would not borrow from them again, with unlimited options out there.

Very impressed how well they were accommodating during the Covid with our home improvement project. We had to push back several times for the installation and they were on top of extending our loan.

It's great to have a financing option for home improvement projects. The loan process was easy, from applying over the phone to reviewing and approving documents through a secure online system. The twelve months same as cash terms make it easy to fit payments into our monthly budget without paying interest. Thank you!

This is the second time we have worked with EnerBank to get our house painted. We had a family emergency and could not pay the balance in full in the allotted time. EnerBank worked with us on getting the loan paid. Thanks, EnerBank!

I love how respectfully I am treated! And how FAST the process is! And how whoever answers the call gets me to the right person to help me right away! Thank you for excellent service! This is my second loan and the process of paying it back is as smooth as getting it approved. Thank you!

I was having windows put in my home and was recommended by them to apply for Enerbank. They were efficient and got me approved within 5 minutes. Good interest rate and reasonable payments. Glad they were able to give us a loan to complete our project. Would do business with them again.

Application,approval and follow up documentation was quick and easy. Policy and rules easy to understand and implement.

Super high interest rates (8.99% for a deck!) with perfect credit score. Plus they charge interest everyday. Phone wait times are 25+ minutes, everytime, even in non busy hours. The wait time was the thing that prompted me to review. Charge you for doing anything but check. Charge you for paying online, charge you for calling in a payment. It’s 2020 people, we don’t need an internet transaction fee anymore. I’d advise looking somewhere else for a personal loan.

We took out a 1-year 0% interest loan I don't like the fact when reading the fine print that if we pay 3 months in advance we won't receive an invoice again until we get caught up for me I'm okay because I track everything but it's deceptive to people who don't read the fine print and are not organized. So if you do business with them make sure you read the fine print as you should be anyway.

I needed to replace my heating and air system in the middle of the winter and pandemic. The need was making me sick as I struggled to care for my family. EnerBank came to my rescue in a matter of seconds. Now the home is warm and the family remains safe. Thanks EnerBank!

The process for securing this loan was extremely easy and the 12 month same as cash option really helped me with the unexpected expense of a new HVAC system in my home. I haven't found the website to be very user friendly, however, and am still trying to location information on the remaining balance of my loan, when payments are due, etc.

Easy application and signing process. Great follow up after job completion.

This was an easy loan with the terms spelled out clearly and it was expedited in a timely manner.

Great Detail, quality product, easy to work with and schedule installation.

I would recommend EnerBank to family members and close friends. The process just took minutes to get the application approved. That's AWESOME!!

Good bank to do business with, customer service is very good. Pleasant staff to work with. The only issue I have is the payment web site. It needs to be easier to see previous payments as well as pending payments to confirm confirmation numbers. I am a senior & not up to date with the computer. Although I'm working on getting up to speed.

My wife and I were applying jointly, and I finished and signed my section and sent it in not realizing she hadn't signed, and waited and waited for the payment to go to our installer. No communication was made to remind us that she also had to sign. Finally the installer had to call us back and say the application wasn't finished correctly. My wife had to sign back in with a separate password and account to finish the application. It just would have been nice if the form would have stated "incomplete..please fill in the necessary blanks" Or something to that effect so there we knew we weren't finished.

Good, clear communications and documentation. Easy to set up online, recurring payments. Excellent financing option of 60 months with 0% interest for our new Heat Pump/Air Handling system.

So easy to work with! Was approved in minute and our door was installed shortly after. Great service, easy to use and would be happy to do more business with EnerBank USA!!!

The job was done quickly, and efficiently. My yard was cleaned up very well. Workers and management were professional and accommodating. Finished product looked great!

I liked being able to communicate and sign documents electronically. It eliminated wasted time traveling into a brick and mortar location. If I had any questions, the CS reps where available by phone to answer those questions. I like the same as cash financing option.

I recently contracted for home repairs with Shiner Roofing and inquired about financing. They recommended EnerBank. With their assistance, in less than an hour contacts were established, the necessary paperwork was completed and I was immediately approved. I am impressed with the process so far, but wiIl need more actual experience before providing a final overall rating.

I was told about enerbank by the company doing my basement. They have a great deal with no interest if paid within 18 months. Customer service is great and I didn't wait long when calling them.

It was somewhat frustrating that your bank didn't recognize my address as a homeowner. I live on a half (1/2) street in Illinois and we had to get the deed to my house to prove I was the homeowner, otherwise all persons we encountered on the phone were extremely knowledgeable and friendly. Questions were answered very quickly and effectively

t was a pleasure working with Brendan, and giving us an opportunity to be one of your customers ....thank you for making the process painless and affordable ...I would definitely recommend your services to friends and family!

My preferred vendor of HVAC and plumbing services is DC Cheek, who referred me to EnerBank to finance a home project offered at a great price/value. I have been very satisfied with EnerBank.

Very easy process to apply for my loan. I used the loan for waterproofing my basement. Twelve months same as cash was perfect for my needs. No prepayment penalty with intentions of paying off in six months. One month down, five months to go. Great way to get needed work done at no cost. I may use again if I need to use for another costly home improvement.

The person I talked to on the phone was hard to understand, partly because of her accent and partly because the sound was not clear. Might want to invest in some better quality communications equipment.

Terrible company and employees!!! They are not helpful, and completely unwilling to work with people!! Just change our due date so we don't have a late fee......nope they absolutely refuse. Wll NEVER recommend or do business with them again. The faster we are out from under them the better.

The loan process was very easy. The customer service I have received thus far from Enerbank, Cedar fencing, and even the guys who did the installation was superb. I would definitely recommend EnerBank to friends and family.

Very easy to do business with. Associates are polite and helpful. Highly recommend!

It was pleasant & easy to apply. No waiting days for approval. Only issue is the interest rates are high if i were going to make payments.

12 month same as cash loan was a great option. I was treated very well and approval was convenient and prompt. Thank you.

Love the no interest for 12 months.

Loan went through quickly, reps are great. I recommend you do the math. The monthly payment amount they quote you will not get the loan paid off in time. They will then tack on a very high interest charge because you didn't pay the loan off in time. I feel this is shady and intentional. Make bigger payments whenever possible.

My experience with EnerBank was nothing short of exceptional. The process was flawless and I appreciate the awesome customer service. I look forward with doing business with them in the future.. Thank you, Carl Core

EnerBank stayed in contact with us during our loan process and everything was easy and fast. We had a new roof put on our house and EnerBank even called after the job was completed to verify that everything was completed to our satisfaction. I would definitely recommend this bank to my family and friends.

Very easy to get the process done

Simple and easy. The only 2 words to describe the process. From getting approved to setting up free monthly payments online. I would definitely recommend this to anyone for their home improvement loans.

EnerBank has been very easy to deal with and the whole process went very smoothly. However, I think the interest rate charged is incredibly high. I plan on paying my loan off in the 24 month grace period for zero %. I think that if EnerBank offered a lower interest rate, more borrowers might be willing to go with a longer term, instead of paying the amount off so quickly. Just a thought.

Wonderful experience. They did what I needed them to do and approved my financing within minutes. Courteous and professional.

I don’t generally give a “10” out of principal... but Enerbank was very easy to work with and they were flexible when some “timing” issues needed to be resolved. Good interest rate and the tax rebate made our project an easy “yes” regardless of your views on “climate change”. Highly recommend!

There was some confusion on my part about signing paperwork. I didn't realize it had to be signed twice until I got a call from the payee after the job completion. The online signing was very easy and convenient though. Very pleased with the different repayment options also. The application process was smooth and quick as well.

Staff was beyond helpful and the loan initiation process was painless. Thank you!

No issues getting approved, they make that part easy. However once you have an account, the Website is poor. No available balance via portal, unacceptable. And a fee to make any payments, serious? Poor very poor.

I appreciate that I have 2 years to pay off this loan without paying interest!

The (1) year no interest financing made replacing a new HVAC system a great deal more affordable.

The two years same-as-cash deal was great and the application process was quick and easy. EnerBank even followed up after the HVAC installation was complete to see if there were any problems with it (there were) and encouraged me to contact them again if the problems couldn't be resolved with the installer. We're very happy with both the HVAC system and the EnerBank loan, without which the equipment would not have been affordable.

We were so afraid of having to finance this purchase, but with your company, it was a breeze. It is a reasonable rate and we can make payments online, everyone has been friendly and supportive. Very glad that we found this company that led us to you!

Telephone application process was simple and painless. Decision was made to keep cash for an emergency HVAC replacement. EnerBank recommended by Plumber. Documents arrived quickly and website efficient, making payments easy. Excellent early repayment offer. No regrets.

The application process was very simple. The invoice arrived in the mail within a week of the project being complete and showed me all the ways I could pay my installments. My only negative is the charge for using a debit card to make payment. An almost $5 fee for something that costs no where near that amount is not right in my opinion. I opted for a different method that doesn’t incur a fee to process.

The entire process was quick and easy. It is a pleasure to do business with your company. Thank you!

It was quick and easy and I like the certain terms same as cash. I liked that you check to make sure our project was done to our satisfaction before you paid out the 2nd half of the loan. This is the 2nd time we financed with Enerbank, we did once before with an insulation project.

Terrible people to deal with! After several hours of being on hold to talk to someone and weeks waiting for a call back they lied about leaving me voicemails so they blamed it on me that I wasn't working with them. Then I finally get someone on the phone and I'm told "it's not our fault you didn't read the small print" all I was trying to do was get an extension on a loan that they offered to several other people in my situation!!!

Was very pleased that you called to ask about my experience with my contractor, which was MUCH LESS than expected given the premium price that I paid to have the work done. Your 18 months "same as cash" program is perfect for me.

My wife and I are totally satisfied with the quality work that was performed on our shower. All done in 1 day! They even cleaned up their own mess, inside and out.

I was out of water and needed well service. EnerBank approved a 12 month same as cash loan within 5 minutes on the phone. Helped me get water back same day and gave me a financial solution that made it possible without putting on a high rate card.

High interest rates, poor customer service, inadequate customer portal, and a guarantee to get hung up on when trying to payoff your loan. Good luck getting a hold of anyone to try and file a complaint. The management will hang up on you as well.