At Regions Home Improvement Financing – formally EnerBank, our focus is on delivering the best home improvement lending products and services. Were a reliable home improvement lender, standing strong and consistently growing â always striving to create an exceptional customer experience. We truly know what it takes to create an exceptional experience in home improvement lending for the consumer, contractor, and industry partner.
Our focus on the home improvement industry and proven track record of helping contractors grow their businesses means you can count on us to deliver quality loan products with a superior customer experience. We balance our depth of experience with our constant push to innovate.
Home improvement projects let you make your living space better and more unique. However the costs can add up quickly. EnerBank, which is part of Regions Bank, helps people pay for home repairs and renovations by offering home improvement loans. Paying back an EnerBank loan every month lets you spread out the costs of a project over time.
One of the nice things about getting EnerBank to finance your home improvements is that you can manage your account and pay your bill online. Find out more about how to pay your bills online with EnerBank by reading on.
What is EnerBank?
EnerBank, member FDIC, is a leading provider of home improvement financing in the United States. Headquartered in Salt Lake City, Utah, EnerBank offers specialized lending solutions including:
- Unsecured personal loans
- Home equity loans and lines of credit
- HVAC, window, and other project-specific financing
The business works with builders, manufacturers, and home improvement groups to give their customers affordable financing options. Loans are available in all 50 states.
EnerBank has been in business since 1992, and it became a part of Regions Bank in 2008. It has over $158 billion in assets, making it one of the biggest full-service banks in the country. Regions maintains financial stability and backs EnerBank lending products.
Online Account Access
When you take out financing from EnerBank, you can manage your loan account online through the customer account portal. Online account features allow you to:
- View account balance – Track the remaining principal on your home improvement loan.
- See payment history – Review past payments and print statements.
- Make one-time payments – Pay extra or pay off your loan early.
- Set up recurring payments – Schedule automatic monthly payments.
- Update account information – Change your mailing address, phone number, email, and more.
- Access tax documents – At year-end, print Form 1098 mortgage interest statements (if applicable).
Setting up online account access is quick and easy:
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Go to www.enerbank.com and click on “Make a Payment” at the top of the page.
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On the login page, select “Enroll | Reset Password” below the password field.
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Enter your EnerBank account number, last name, and ZIP code associated with your account.
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Create a username and password.
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Agree to the terms and conditions.
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Click “Submit” to complete enrollment.
You can now log in anytime using your username and password credentials.
Online Bill Pay Options
Through the online account portal, EnerBank offers two ways to pay your bill – recurring auto payments or one-time payments.
Recurring Automatic Payments
You can schedule recurring monthly payments to be automatically deducted from your checking or savings account. This ensures your payment will be made on time each month.
To set up automatic payments:
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In the Payments section of your EnerBank account, choose “Recurring” on the left menu.
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Enter your bank name, routing number, account number, and account type (checking or savings).
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Select a monthly payment date between the 1st and 10th of the month.
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Specify the payment amount. Choose the minimum amount due or a higher fixed monthly payment.
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Review the terms and conditions and check the confirmation box.
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Click “Submit” to activate automatic monthly payments.
You can edit or cancel recurring payments at any time through your online account.
One-Time Payments
If you prefer to pay your bill manually each month, you can easily make one-time online payments. EnerBank offers multiple ways to securely pay your bill:
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Bank account – Provide your checking or savings account information to debit the payment amount.
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Debit or credit card – Use a Visa, Mastercard, American Express or Discover card to make quick online payments.
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Western Union – Take a payment coupon to a Western Union agent location to pay in cash.
To make a one-time payment:
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Under the Payments section, choose “Make a One Time Payment.”
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Select your preferred payment method and enter the required information.
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Choose the payment amount and date.
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Review and submit the payment.
One-time payments can be made at any frequency – weekly, bi-weekly, monthly, etc. Just log in to your EnerBank account prior to your due date to submit each payment.
Benefits of Online Bill Pay
Paying your EnerBank loan bill online provides a number of benefits:
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Convenience – Make payments 24/7 without mailing checks or calling during business hours.
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Payment tracking – Review payment history and print statements through your online account.
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On-time payments – Avoid late fees by scheduling automatic monthly payments.
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Flexible options – Choose recurring or one-time payments.
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Payment proofs – Have confirmation numbers and receipts for your records.
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Time savings – Make payments quickly online compared to conventional bill pay methods.
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Security – Your financial information is encrypted and securely stored.
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Account access – Manage your account anytime from your desktop or mobile device.
Paying bills online allows you to efficiently manage monthly expenses. EnerBank’s online account access offers a secure, convenient solution for paying your home improvement financing bill. Sign up for automated payments, or make one-time payments online from your checking account, debit/credit card or Western Union. Online bill pay gives you flexibility to pay how and when it’s most convenient for you.
Get Started with EnerBank’s Online Account Access
EnerBank’s online account management portal provides a user-friendly way to monitor your home improvement loan, make payments, update personal details, and more. To access account features, simply visit www.enerbank.com and log in using your unique credentials. If you have not enrolled, reset your password online or contact an EnerBank customer service representative for assistance.
Online bill pay options allow you to securely pay your EnerBank loan on time each month. Sign up for automatic payments from your bank account, or make one-time payments by phone, online or at a Western Union location.
Rather than writing and mailing checks, save time by paying your bill online 24/7. Online payments can help you avoid late fees, improve budgeting, and simplify home improvement loan account management. Contact EnerBank to learn more or enroll in online account access and bill pay today.
How home improvement financing with Regions works
Simply put, as a contractor, you visit the client’s home to give them a quote for a home improvement project. While you’re there, you can use our quick and easy paperless application process to help the homeowner get approved in minutes for a specialized home improvement loan to pay for the project. Your client then authorizes funding requests by phone or text, and we deposit the funds directly into your account, usually within 24 hours. Home improvement financing powered by Regions means higher close rates, bigger jobs, and a better customer experience.
Trust us for home improvement lending
Stability. Home improvement lending is all we do. Since 2002, we’ve given billions of dollars to over a million projects and given home improvement professionals and homeowners specialized help.
People. We know that people are our greatest asset, so we pride ourselves on taking care of our customers. Whether its a single point of contact for home improvement contractors, or training all our U. S. -based customer service teams to be helpful and knowledgeable, we offer an excellent experience in home improvement financing.
Experience. We live and breathe home improvement lending, so we ensure your customers not only have an exceptional customer experience, we make sure they have a smooth transaction that makes you look like a champ. When your customers are happy, theyll send more business your way. Its a win for everybody.
Refer a contractor to Regions Express Loan Program and receive a $300 Amazon.com Gift Card!
Pay A Bill Online
FAQ
What happened to EnerBank USA?
Regions Home Improvement Financing (formerly EnerBank USA) EnerBank is now part of the Regions family. If you have a home improvement loan through EnerBank and want to make an online payment, please use the links below to be redirected to the correct payment portal: Log in to pay loan account numbers starting with 456.
Is EnerBank a secured loan?
Does enerbank pay bills online?
Many EnerBank customers also use the online bill pay system through their personal bank accounts. Q2. What kind of rating does EnerBank have with the Better Business Bureau? EnerBank USA has an A rating with the Better Business Bureau. We have processed nearly one million loan applications to date, and currently service more than 120,000 loans.
Does enerbank charge a recurring payment?
There’s no charge to schedule one-time or recurring payments from a debit card or personal checking or savings account. Now that EnerBank USA, a specialized home improvement lender, is a fully integrated part of the Regions family, we’ll be making life better for home improvement contractors and homeowners everywhere.
How do enerbank customers make payments?
There are five ways that our EnerBank customers currently make their payments to us. We can take money out of a customer’s bank account every month through an ACH debit, which is free for the customer.
Is enerbank USA a specialized home improvement lender?
*HIRI TFG Monthly report, released October 2023 EnerBank USA is a specialized home improvement lender – that means we’re experienced when it comes to providing financing for home improvement projects like yours. Since it’s our specialty, we’ve developed processes and payment options that are tailored to home improvement needs.
Does enerbank charge a processing fee?
A five-dollar processing fee is charged for this service, but many customers love how quick and easy it is to call our office on the date they want to pay. Many EnerBank customers also use the online bill pay system through their personal bank accounts. Q2. What is EnerBank’s rating with the Better Business Bureau?.
What is an enerbank loan?
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. Our paperless application process is quick & easy, and you can often receive a credit decision within seconds.
