HFS Home Improvement Loans

Looking to finance a home improvement project or new pool? HFS Financial connects homeowners in all 50 states with home improvement loans and swimming pool financing from $1,000 to $450,000, with fixed rates as low as 7.80% and terms up to 30 years. Trusted by 100,000+ homeowners since 2011.

Whether you’re upgrading your kitchen, remodeling your bathroom, replacing your roof, or improving your outdoor living space with a landscaping or deck loan, we’ll match you with the right lender from our network. The inquiry takes about 60 seconds and uses a soft credit check (no impact to your credit score), and qualified borrowers can be funded in as little as one day — no home equity required, no appraisal.

What are the qualifications for a home improvement loan?

HFS Financial works with a network of lenders offering personal home improvement loans from $1,000 to $450,000 to homeowners in all 50 states. Qualifications vary by lender, but our 60-second inquiry uses a soft credit check (no impact to your credit score) to match you with options based on your credit profile, income, and project type. You don’t need home equity or an appraisal.

How long does it take to get a home improvement loan?

Submitting an inquiry with HFS Financial takes about 60 seconds. Once you’re matched with a lender from our network, qualified borrowers can be funded in as little as one day. The exact timeline depends on the lender, the loan amount, and how quickly you provide any requested documentation.