financing

EnerBank USA Making Home Improvement Loans Possible

Does the outside of your house need a fresh coat of paint? Or maybe the inside needs a new feel? Wondering how you’re going to pay for your exterior painting project? Credit cards are usually a bad idea and cash is usually better on your side but why wait?  Get the entire project started and completed the way you want it now! EnerBank offers you peace of mind. Our loans are available only through authorized contractors like Paisley Painting who have been approved to offer payment options to their customers. You can apply on the phone and the process is quick and easy and you can receive a decision in minutes. Let Paisley Painting and EnerBank help make your dreams come true.

Traditionally, homeowners usually pay for home improvement projects with cash or a home equity line of credit. A home equity line of credit can be called in at anytime but the maximum loan amount can reduce at any time. Our loans have several advantages over other funding options, including the following:

• Low, fixed interest rates.
  These rates are certainly available to anyone that has good credit.
• Unsecured.
  You don’t have to put up your home as collateral. So you don’t have to worry about any leans placed on your home.
• Keeps your home equity intact.
  Reducing the equity of your home could limit any future options.
• No headaches.
  After all the hard work and planning, you’ve earned a quick, hassle-free loan experience, with a decision made in minutes.

An EnerBank unsecured loan is a better option than credit cards for your home improvement projects because of the following:

• Loan commitment.
  We offer a 120-day credit commitment on all our loan approvals; credit cards don’t.
• Lower interest rates.
  Our loan rates are typically much lower than standard credit card rates.
• Fixed interest rates.
  Your rates never change for the life of the loan, even if you are late with a payment.
• Maintain liquidity.
  We all know credit cards are especially helpful if an emergency arises. Don’t take away this kind of emergency safety net by maxing out your cards on a planned project.

Here are just a few reasons why an EnerBank unsecured home improvement loan makes sense:

• No Waiting.
  Get the entire project started and completed the way you want it now instead of waiting to save up the cash or the need for high interest credit cards.
• Flexibility.
  Avoid product changes by completing the entire project now instead of in several stages. Product prices, styles and colors change frequently and color matching is inconsistent.
• Unbeatable Payment Options.
  We offer several ways to pay for all your home improvement projects. Ask your home improvement professional about all available options.
• Financial flexibility.
  Life is full of surprises and if your circumstances change, you may need your available cash reserves as a back-up plan.

EnerBank is a trusted lender we have helped homeowners in all 50 states get the financing they need to fulfill their home improvement dreams. We are an FDIC-regulated bank and a wholly owned subsidiary of CMS Energy Corp. (NYSE: CMS). In order to qualify for an EnerBank loan one of the applicants must own the property. Co-applicants may either own or simply live in the property.