EnerBank USA is a specialized home improvement lender - that means we only provide loans for home improvement projects like yours. Since it's our specialty, we've developed payment options that are perfectly tailored to home improvement needs. We've been doing this for over two decades and have approved over a million home improvement loans.



You can get the entire project you want completed right now instead of waiting to save up the cash or completing it in stages. With an EnerBank loan, your home is not used as collateral, there's no application fee, no closing or appraisal costs, and no prepayment penalties. Your contractor will offer you a choice of payment options, then you can use one of our fast and easy application methods to connect with our US based lending team to receive a credit decision within seconds. Approvals are valid for 120-180 days, giving you plenty of time to plan and complete your home improvement project.

We are known for "service after the sale" - and financing is no exception. Through our financing programs, we offer several flexible options for financing your new product or system. That way, you can invest in your home's comfort or respond to an unexpected heating and cooling need without breaking your monthly budget.

With financing from GreenSky, you'll enjoy:

Easy, Fast, Paperless Application process

Funding in as little as 48 hours

Flexible terms

Plus, by taking advantage of our special financing, you won't use up your existing funding sources, like a credit card or bank account. They'll still be available when you need them.

Please contact us to find out which financing options are available to you, or to learn about special financing promotions.

Call us to discuss our financing options or click on the "Apply Now" button to initiate your application.

HASSLE FREE MONTHLY PAYMENTS WITH NO CREDIT NECESSARY!

Microf is a relationship based company that places top priority on the wants and needs of our customers. Our innovative rent-to-own strategy provides unmatched flexibility to consumers through quick response times and multiple payment terms and options. Microf helps restore the heating and cooling needs of the consumer with an affordable monthly payment through our extensive contractor network.

5 Things You Need to Know About Microf:

1. We specialize in lease purchase financing for residential replacement HVAC systems.
2. We have a simple application process.
3. We offer near-real-time Pre-Approval, Further Review, or Decline decisions.
4. We offer convenient and affordable monthly renewal payment options based on 36, 48, or 60 months to ownership.
5. Customers can take advantage of meaningful monthly payment and early purchase option discounts.



Call us for more information on how the Microf program can work for you.

We're not the biggest. We're just the best.