re:fab partners with two different lending providers, so you can choose the payment plan that works for YOU. Our lending partners are EnerBank and Hearth Financing.
EnerBank Financing Options:
- 90 Day Same-As-Cash*, No payments, No interest for 12 months
- 6-Month Same-As-Cash*, No payments, No interest for 12 months
- 12-Month Same-As-Cash*, No payments, No interest for 12 months
- 0% APR 12-Month Loan
- Traditional Installment Loan (8.99% – 15.99% APR)
90-Day Same-As-Cash Loan
*Credit and loans provided by Regions Bank d/b/a EnerBank USA, Member FDIC, (650 S Main St, Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 19.99% fixed APR, effective as of June 2023, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Interest is waived if repaid in 90 days. Repayment terms vary from 15 to 123 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First loan payment due 90 days after funds are disbursed.
6-Month Same-As-Cash Loan
*Credit and loans provided by Regions Bank d/b/a EnerBank USA, Member FDIC, (650 S Main St, Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 19.99% fixed APR, effective as of June 2023, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Interest is waived if repaid in 180 days. Repayment terms vary from 18 to 126 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 180 days after funds are disbursed.
12-Month Same-As-Cash Loan
*Credit and loans provided by Regions Bank d/b/a EnerBank USA, Member FDIC, (650 S Main St, Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 19.99% fixed APR, effective as of June 2023, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Interest is waived if repaid in 365 days. Repayment terms vary from 24 to 132 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 365 days after funds are disbursed.
0% Annual Percentage Rate 12-Month Loan
*Credit and loans provided by Regions Bank d/b/a EnerBank USA, Member FDIC, (650 S Main St, Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 0% fixed APR. Minimum loan amounts apply. Repayment term is 12 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. 12 monthly payments of $83.33 per $1,000 borrowed. The minimum monthly payment will be no less than $50.00.
Traditional Installment Loan
*Credit and loans provided by Regions Bank d/b/a EnerBank USA, Member FDIC, (650 S Main St, Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 8.99% to 15.99% 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. Minimum monthly payments vary between $11.37 and $90.73 per $1,000 borrowed. The minimum monthly payment will be no less than $50.00.
Hearth Financing Options:
- Review your monthly payment rates from over a dozen lenders through Hearth’s quick and secure application without affecting your credit score. Personal loans through Hearth’s lending parners have fixed rates and terms. You’ll know your monthly payment upfront and there are no fees for paying off your loan sooner. If approved, Hearth’s lending partners can deposit cash into your account as soon as 24 hours.
