Financing

Get cozy and warm by the  fireplace of your dreams

with very comfortable payment options!

 

Approval in minutes!

 

We have 2 main options as described below, but if you have a custom loan plan solution in mind give us a call and we can discuss alternatives.

 

HOW TO APPLY

1.Online Application

Your Approximate
Montlhy Payment
$0.00

*Loans provided by EnerBank USA, Member FDIC, (1245 Brickyard Rd., Suite 600, Salt Lake City, UT 84106) on approved credit, for a limited time. Repayment terms vary from 24 to 132 months. Interest waived if repaid in 365 days. 18.58% fixed APR, effective as of January 1, 2019, subject to change. Interest starts accruing when the loan closes.

  • No minimum Monthly Payment
  • No Interest if Paid in full within 12 months.
  • You don’t have to put up your house as collateral.
  • Keeps your home equity intact
Approx Payment on a $5000 project $99

*Loans provided by EnerBank USA, Member FDIC, (1245 Brickyard Rd., Suite 600, Salt Lake City, UT 84106) on approved credit, for a limited time. Repayment terms vary from 24 to 132 months. Interest waived if repaid in 365 days. 18.58% fixed APR, effective as of January 1, 2019, subject to change. Interest starts accruing when the loan closes

  • Your rates never change for the life of the loan, even if you are late with a payment
  • Low interest rate
  • You don’t have to put up your house as collateral.
  • Keeps your home equity intact

 

 

 

2. Phone Application 

Information needed to submit an application by phone

 

  • Provided by Tahoe Chimney & Fireplace: Program Phone Number, Loan Code, Contractor ID
  • Total Amount to be Financed
  • Project Description
  • Social Security Number
  • Annual Income
Applying by phone is a great option and only takes a few minutes to receive a credit decision. Our lending department is always standing by and able to provide an instant credit decision with fast and friendly service.
Lending Hours (EASTERN TIME)   Call (866) 644-3659
Monday – Friday :: 8:00 AM – 1:00 AM
Saturday :: 9:00 AM – 9:00 PM
Sunday :: 11:00 AM – 7:00 PM

 

Common Homeowner Questions

  • What kind of down payment is required? There are no liens, collateral, equity, or down payments required.\
  • Do I need to make payments during the Same-As-Cash period? No. You are not required to make payments during the Same-As-Cash period, however, they will receive monthly statements with a principle and interest balance. As long as you pay the entire Same-As-Cash Loan off before the Same-As-Cash period ends, all of the interest will be automatically waived. Monthly payments are not required during the Same-As-Cash period.
  • When will my first payment be due? You will typically have your first payment due within 30 – 90 days after the project is complete and the funds have been distributed to the contractor. You will receive a welcome letter via mail which contains the loan balance and due date.
  • What happens after I am approved?  After approval, the project may begin. Once finished you will asked to sign a certificate of Completion.
  • 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.

 

Payment Calculator

*The monthly payment calculations provided here are estimates only. Exact loan payment amount will be determined by EnerBank USA at time of application. The accuracy of these calculations is not guaranteed nor is its applicability to your individual circumstances.