EnerBank USA - Profile & Reviews

I urge you to seek another company. This is my 5th review of them on a different site because they are ripping you off. For individuals who truly don't have the money they need to make much needed home improvements or get something fixed Please don't use this company. There interest rates are insane. There website is a joke and there customer service it subpar.

Horrible company to work with. Have had numberous bad experiences with their customer service. Their website is useless and displays no account info- it just allows you to send payment and nothing else. Also, I had sent in a check for my payment but they said they never received it so I paid online and put a stop payment on the missing check. I just got a notice that I am past due (not true) and that they're chraging me $30 because they DID receive the original check and tried to cash that in addition to the onine payment I'd already sent. Wish they would check the account balance prior to sending out collection notices. Now I've been on hold for 30 minutes trying to reach them to correct their mistake. Miserable lenders. Avoid!!

We got a loan to do a bathroom remodel. All was good in the beginning. A couple of things to know their website is very basic and simple. You cannot look up your balance all you can do is make a payment. When I called to make a principal payment their reply was we don't take principal payments. They were very rude on the phone when I asked why they couldn't take a principal payment they did not really have a reason, they just said they could not take them. I was like what? How can you not take a principal payment? Still no answer. They also could not tell me if the interest was monthly or daily. They couldn't really do much for me over the phone. Terrible company to deal with. I should have just gotten a loan from my bank. Next time I will not pay for the convenience of using them, I will take the time to shop around for a Home Improvement type of loan.