Financing Options

With promotional financing from AIR ORACLE, major purchases don’t have to wait. 

Get what you want now and pay over time.

How It Works

1. Apply Today - Fill out a secure online application.
2. Get a Decision - You will get an instant credit decision after submitting the application.
3. Start Your HVAC Project - If you are approved, you will receive a temporary account number so you can start your project right away.

*Subject to credit approval.  Ask for details.

Affordable financing solutions are available and may make the most sense when replacing an aged or inefficient air conditioning system.  Through higher efficiencies and better quality, we have found in many cases that monthly payments for many of the financing options are offset by the reduction in energy costs alone.  Preapprovals and loan applications take approximately  5 minutes and are very simple to complete. 

For standard financing options, or even if you've had a few credit challenges, Enerbank USA makes every effort to make financing a possibility for everyone.  Don't let a few credit scoring hiccups stop you from asking about traditional or non-traditional financing through Enerbank.  Preapprovals and loan applications take approximately  5 minutes and are very simple to complete.

*Credit and loans provided by EnerBank USA, Member FDIC, (1245 Brickyard Rd., Suite 600, Salt Lake City, UT 84106) on approved credit, for a limited time. 8.99% to 14.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Repayment terms vary from 12 to 144 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days after funds are disbursed. 

How long does the approval process take?

--Most loans are approved over the phone in minutes.

What is Enerbank's credit approval rate?

--About 80% of our loan applications are approved.

How long is my credit commitment good for?

--Good for 120 days from application date

What is an unsecured loan?

--An unsecured loan means there is no collateral or lien on your house.

Is there a penalty for paying off my loan early?

 --No, there is no penalty

What types of home improvements qualify?

--Many interior and exterior home improvements qualify.

A Wells Fargo Home Projects credit card is an easy and convenient way to pay for goods and services. Plus, as a Wells Fargo Home Projects cardholder you can enjoy other great benefits throughout the year, such as:

• Special promotional offers where available
• Revolving line of credit that you can use for future purchases
• Quick credit decision
• Convenient monthly payments to fit your budget
• Easy-to-use online account management and bill payment options

*Subject to credit approval.  Ask for details.

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