Actual rate is determined by the lender.
Two Financing Options
Choose by Project Size
Start with the amount you want to finance, then review the lender details below. Approval, available offers, and final terms are determined by the lender.
Option 1 · EnerBank
Traditional Loan Program
For financing requests up to $55,000, review the published traditional-program range, choose one way to apply, and keep the program details below ready for the lender.
For the supplied traditional loan program.
Available term is determined by the lender.
Other Plan Types
Depending on the program made available, EnerBank may also offer same-as-cash, reduced-interest, or zero-interest promotional structures. Availability, qualification, rates, and terms are determined by EnerBank.
Choose How to Apply
Start Your EnerBank Application
Apply online from any device or call EnerBank. Both options use the same program and contractor information shown below.
Cash discounts do not apply to purchases financed through EnerBank.
A same-as-cash promotion, if offered, remains a financed purchase and does not qualify for the contractor cash discount.
Before You Start
Have These Details Ready
Enter the following information when the lender asks for the program, contractor, project type, and requested loan amount.
- Program number
- 866-409-8300
- Contractor ID
- 1990
- Project type
- Landscape
- Loan amount
- Enter the amount you want to finance
Financing is subject to lender approval. The lender determines eligibility, approved amount, rate, term, and all final loan conditions. Review the lender's disclosures before accepting an offer.
Option 2 · HFS Financing
Financing for Larger Projects
For loan requests above $55,000, use the separate HFS path to review potential home-improvement financing options.
Check HFS OptionsHFS currently states that submitting an initial inquiry will not impact your credit score. If you move forward, underwriting may include a hard credit inquiry.
How It Works
Check your options
Submit the HFS inquiry to review potential loan options for your project.
Upload documents
If you continue, HFS may request identification, project documents, and proof of income.
Complete underwriting
The lender verifies documents and credit. A hard credit inquiry may occur if you move forward.
Receive funds
If approved, loan proceeds are sent to you by direct deposit.
Pay for completed work
You release payment to 365 Custom Courts according to your contract and project invoices.
HFS facilitates inquiries for potential loans from third-party lenders. Approval, loan amount, rates, terms, credit inquiries, funding, and promotional conditions are governed by the lender's disclosures and your final agreement.
Common Questions
Financing FAQs
Quick answers about applying, program information, loan ranges, and lender responsibility.
What is the difference between the two financing options?
EnerBank's supplied traditional program covers loan amounts up to $55,000. HFS Financing is the separate path for larger loan requests above that amount. Each lender determines eligibility and final terms.
What do I need to apply with EnerBank?
Apply online or call 866-409-8300. Have program number 866-409-8300, contractor ID 1990, project type Landscape, and your requested loan amount ready.
What are the traditional loan terms?
The supplied program range is 8.99%–15.99%, with loan amounts up to $55,000 and terms from 7–12 years. Your actual offer is determined by the lender.
Do cash discounts apply when I finance?
No. Cash discounts do not apply to purchases financed through EnerBank.
Will checking HFS options affect my credit?
HFS currently states that submitting an initial inquiry will not impact your credit score. If you choose to move forward, underwriting may include a hard credit inquiry. Review the HFS disclosures before continuing.
Does 365 Custom Courts approve the loan?
No. Financing applications, credit decisions, rates, amounts, and terms are handled by the lender. We provide the project quote and the contractor information needed for your application.