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Signing up for access is quick and the most convenient way to keep track of your account. To create your online access, visit our registration page, fill out the form and submit. Enter your information exactly as it appears on your EnerBank USA welcome letter or any other EnerBank USA correspondence. Account access is available to the borrower and/or cosigner.

Payments can be made in multiple ways. The easiest and most convenient way is to log in to your account and make a payment with a checking or savings account or debit card (no credit cards are allowed). For even more convenience, you can set up recurring payments online so that your payments are made automatically using a checking or saving account. You can also use bill pay through your bank's online bill pay service. (Make sure they don't charge a fee!) Payments can also be sent via mail to EnerBank USA PO BOX 679220, Dallas, TX 75267-9220 or made by calling EnerBank USA at (877) 596-0730.

You can view your billing statement by logging into your account and clicking Manage Account and then Account Documents. This will give you access to view all billing statements.

Forgot your password? Just enter your username associated with your EnerBank USA account, and we'll reset your password.

Forgot your username? We can help you figure it out. You will need to provide us with some information so we can verify your account. An email will be sent to the email address on file and provide further instruction.

Your security is important to us. To ensure that your personal information stays safe, we utilize multi-factor authentication. The first time you log into your account from a new device or browser, you'll enter your username and password as usual. Then, you will be asked to enter a unique code that we will send to you via email. Check your email for the access code and enter it when requested. If you have questions or need help logging in, contact us.

The Bank offers solar loans which may include a re-amortization feature. Loan terms, interest rates, and payment amounts may vary. Please see your loan documents for more information regarding your particular loan.

“Re-amortization” is a finance term that refers to the point in time when a lender recalculates the borrower’s monthly payment based on how much of the loan the borrower has paid to that point.

No. On loans where a promotional period is offered, any amount you pay in excess of your required monthly payment during said period will be factored into the amortization event at the end of the promotional period. If you pay more than your required monthly payment, it will not change your minimum monthly payment until the re-amortization occurs.

Please note that only select loan types include “re-amortization” features.

If you pay more than your monthly payment after the promotional period ends, the payment will be applied first to any outstanding interest, then principal, then fees. Any amount paid in excess of the amount needed to satisfy the outstanding balance will be applied to the principal balance.

Yes. Interest will accrue on a daily basis pursuant to your loan documents. Paying more than your monthly payment during your promotional period will reduce the interest that accrues. Please note that not all loans have a payment due during the promotional period. Your monthly payments will be applied first to any accrued interest, then toward your principal balance, then fees. If you pay your loan in full during the promotional period, all the accrued interest will be waived.

Yes. You can pay the loan in full or in part at any time without penalty. Simply call the Bank to obtain your payoff balance. Remember, the earlier you pay it off, the less interest will accumulate on your loan. If your loan has a promotional period, and you pay your loan in full during that period, all the accrued interest will be waived.

If your payment is not received within 10 days of your due date, you will be charged a fee of either 5% of your monthly payment or $15 to $30, whichever is greater. Please see your loan documents to determine the applicable fee for your situation. You also have the option to set up autopay via ACH or make one-time debit card payments in the Borrower Portal (Borrower.EnerBankUSA.com.)

The solar investment tax credit is a federal tax credit that may be claimed on federal income taxes up to 30% of the cost of a solar power system. Please consult your tax advisor for any additional guidance and to verify if you are eligible to receive a tax credit.

If you do not claim the full tax credit in the first year, you may have the option to roll over the remaining credit into future years. Please check with your tax advisor if you have any questions regarding your eligibility for the tax credit or any available state/local incentives.

When you sell your home, you have two options. The most common option is to pay the remaining balance on the loan in full and sell the home with the added value of a paid-off solar power system. The second option is to ask the homebuyer to apply and assume your loan which is referred to as a “transfer and assumption.” The homebuyer must qualify under the Bank’s underwriting guidelines in order to assume the loan.

The borrower should inform the Bank that the prospective homebuyer is willing to assume the loan. The homebuyer will then be asked to complete a credit application. In order to assume the loan, the homebuyer must meet the Bank’s underwriting criteria. If the homebuyer qualifies, he/she will be sent a new agreement to review and execute.

If you choose to refinance your mortgage, you’ll want to contact the Bank to notify us of your plan. We recommend reaching out to the Bank at least two weeks ahead of time. The Bank can then assist you in filing a “Temporary Termination.” This Temporary Termination document will make it clear that the UCC-1 security interest on the solar power system is subordinate to your mortgage. This will help you avoid complications during your refinance. There is a $100 termination/subordination fee that may be assessed.

No. Instead, you give the Bank a security interest in the solar power system by giving it permission to file a UCC-1.

As part of the agreement, you give the Bank a security interest in the solar power system and grant it permission to file a fixture filing as a UCC-1 in the real property land records.

All interest is computed on a 365/365 basis; that is, by applying the ratio of the interest rate over 365 days, multiplied by the outstanding principal balance, multiplied by the actual number of days the principal balance is outstanding.