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EnerBank USA

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1.5
Reviews
EnergySage Rating
1.5
EnergySage Reviews
EnergySage Rating
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About EnerBank USA

Overview

Bank that specializes in unsecured home improvement and home energy loans through strategic business partners and independent home improvement contractors in all 50 states.
Phone Number
888-721-2100

What Customers Are Saying

Ratings & Reviews

1.5
30 reviews
1.5
Average Rating 30 review(s)
Response
1.0
Quality
1.5
Value
1.5
Service
1.5
Leave a Review
No Common Sense

I wish I could give them 0 stars. My wife and I are purchasing a home and need a fence installed asap after closing. The fence company has been great but EnerBank has been a nightmare. We are financing the home in my name and, because we didn't want anything to effect my credit during the mortgage process, we chose to finance the fence in her name only. We provided numerous documents, including a fully signed contract, showing she will be on the deed with me yet they refused to complete the loan process until we could produce a deed showing her name. It's obviously not an ownership issue because they said they could move forward if we added me to the application. I explained that we have several projects planned for the new home which are all dependent on the fence being installed first. They didn't care. This isn't the only project we are financing in the same way as the fence yet it is the least expensive and has been the biggest headache. The other 2 finance companies were able to apply common sense and approve the loans without issue. If a company can't employ common sense is such a simple situation, how can I trust them to service my loan. We have canceled the application and will give our hard earned money to a company that cares more about its customers.

Posted by codyboztn on Jul 16, 2024
Traditional installment loan

This is the worst bank to do business with. They charge interest daily and are not very helpful at all with explaining anything. We will never get this loan off!! We have started paying bi weekly and still nothing is going toward the principle. How can a bank do business like this!!

Posted by walls.julie39 on May 16, 2024
Customer service is terrible they’re all crooks

This company is horrible. They were used from a shady solar company who lied out of their teeth to my grandma and she signed! Two years later she still doesn’t have solar and ener bank won’t let her out of the loan. They don’t answer direct questions and now aren’t calling me back. My grandmothers credit went down 100 points bc ener bank said they would defer payment until the solar project was finished by their newly appointed company contract. Lies lie lies. Now that solar company isn’t even responding. I’m looking into legal action because this is plain wrong and my grandmother feels so stressed and taken advantage of.

Posted by vaholguin on Feb 27, 2024
Awful

The whole experience has been a total nightmare. First of all the contractor that this bank lends for is a thief. They recommended this guy and he robbed me. The bank itself has the worst customer service and their website is impossible to navigate. They make it impossible to pay your bill every month without at least an hour of trying to get into the site. Don't bother calling them because you never get through. I have been advised not to pay them at all by my attorney but I don't want to do that. However, I am going to have to sue them. DO yourself a favor and get a home improvement loan from anyone else, but Enerbank is not the route you want to go.

Posted by kim_snow on Feb 26, 2024
READ THE FINE PRINT.

I will NEVER, EVER enter into a personal loan agreement with Ener again. I seriously regret it. They tricked me with fine print in the loan agreement. Yes, it is my fault for not reading every minute word carefully. That said, who does? And who would knowingly agree to pay 17.99% interest when the project required county approval, etc., and would naturally take a while to start? Naturally, I believed that nothing would be charged or accruing until the project was completed and the contractor was paid. Indeed, the contractor NEVER got paid until the project was completed in 2023 because it was known there would be delays. Ener KNEW this as well, but when I tried to pay off the entire loan amount a couple of months after the project was completed, they said I owed about $1,000 more in interest because they "disbursed" the funds in 2022. Painful lessons learned. Do not agree to that deception by Ener because YOU will be paying for a loan for work that may not begin for a long time.

Posted by qrccyril on Feb 09, 2024
Dont use this Bank for Solar

Worst ever. Terrible experience with this bank - very poor communication, awful website, and poor customer service. Deeply regret doing business with them. The fact that they still use fax machines for sending documents should tell you something. Good luck tracking the paperwork down.

Posted by casey.spaulding on Jan 05, 2024

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