Inquiring won't impact your credit

HFS Pool & Home Improvement Loans

Market Leading Fixed Rate Loans

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Inquiring won’t impact your credit

Low-Fixed Rates Enjoy market-leading rates and fixed repayments.
Direct-To-Consumer Funded Take full control over your loan.
Personal Loans Borrow without affecting your home equity.
Same-Day Qualifications Prequalify for your loan options in minutes.
Terms Up To 30 Years Lock in your rate so you can budget with confidence.
Inquiring Won’t Impact Your Credit Score Check your rate with no risk to your credit.

HFS Pool & Home Improvement Loans

Market Leading Fixed Rate Loans

Low-Fixed Rates
Direct-To-Consumer Funded
Personal Loans
Same-Day Qualifications

Low-Fixed Rates
Direct-To-Consumer Funded
Personal Loans
Same-Day Qualifications
Terms Up To 30 Years
Inquiring Won’t Impact Your Credit Score

Check My Rate

Inquiring won’t impact your credit

How to get a loan…

1
Inquire for a loan

Does NOT affect your credit, get same day answers

2
Get prequalified

View instant loan options OR speak with a loan consultant

3
Verify

Securely upload some basic documents for loan verification

4
Get your funds

Loan proceeds available within 48 hours of approval

What would you like a loan for?

It’s simple to get the loan you need to transform all of your residential spaces.

We don’t just do loans for these projects. Explore all Home Improvement Loans

About HFS Financial and why our clients love us

HFS Financial website user

You dream it, we finance it!

Inquire Now About HFS

Our unique financing process ensures that funds are disbursed directly to you, giving you full control over your loan.
Have equity in your property? Keep it. Don’t have much equity? No problem. Loans through HFS Financial do not affect the equity in your property.
Our streamlined inquiry process ensures that you get your funds without delay so you can start on your project as soon as possible.
By making your financial needs our main focus, we’ll connect you with loans tailored to your budget and timeline, with manageable rates and an easy-to-navigate inquiry process.
Lock in your ideal rate so you can budget with confidence with a fixed-rate loan.
Making an inquiry with us to check your rate will have no impact at all on your credit score, so don’t hesitate to speak to us today.
Latest updates about HFS.

$450,000
Max Loan Amount
100,000+
Homeowners Funded
20,000+
Contractors on our Platform
3,500+
5 Star Reviews

Most asked questions

Still have more questions? Visit our Help & Advice center or contact our team and we’d be more than happy to help.

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Inquiring won’t impact your credit

Inquire about a home improvement loan today!

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HFS Home Improvement Loans

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.

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Inquiring won’t impact your credit

Swimming Pool Loans

Swimming Pool Financing

Planning a new pool or upgrading an existing one? HFS Financial connects homeowners in all 50 states with swimming pool loans from $1,000 to $450,000, with fixed rates as low as 7.80% and terms up to 30 years. Whether you’re building an inground pool, an above-ground pool, or a fiberglass pool, we’ll match you with the right lender from our network — no home equity, no appraisal, no prepayment penalty.

Use our pool loan calculator to estimate your monthly payment, then submit a 60-second inquiry. The soft credit check won’t affect your credit score, and qualified borrowers can be funded in as little as one day.

Can I get a 30-year pool loan?

Yes. HFS Financial connects homeowners with pool financing options offering terms from 1 to 30 years, with fixed rates as low as 7.80%. A longer term can lower your monthly payment, though it may increase the total interest paid over the life of the loan. Use our pool loan calculator to compare term lengths and find what fits your budget.

Is it hard to get a pool loan?

HFS Financial’s inquiry takes about 60 seconds and uses a soft credit check, so checking your options won’t affect your credit score. We work with a network of lenders that offer personal pool loans from $1,000 to $450,000 with no home equity or appraisal required. Qualified borrowers can be funded in as little as one day.

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Inquiring won’t impact your credit

What our happy customers say about us

Virgil

Andrea was very quick with answers and with the approval process. Appreciate the professionalism throughout

Terry

1 Week is how long this loan took from checking my credit to funds in the bank Alexis and Dan were kind and quick to respond and I will continue to use this company in all my financial needs !!

Kelly

HFS was great, Thank you to A. Grimes and R. Smith for working quickly for us! We had great communication and are so excited to get our pool next week! We appreciate your hard work greatly!

John

Going through HFS to fund my pool was extremely easy and efficient. I worked with both Daniel Perovich and Krystie McMahon. They both were professional and made the process smooth. Thank you.

Benji

Andrea Barchiesi has been very easy to work with and answered all of our questions timely. We look forward to getting our pool installed in the next couple weeks. Thanks Andrea for all the help.

Jim

Very good throughout ! Andrea and Kyara we both great to deal with.

Rya

Efficient, kind, and professional. I would work with/refer Vicky and Carrie in the future

Rebecca

Jason Sidle and Krystie McMahon were absolutely amazing! From pre approval, processing, underwriting, to funding in one week. Very responsive and communicated everything. Highly recommend!

Lisa

Had a great experience with dealing with this with company. I would recommend.

Tiffany

Amanda and Alexis were very on top of processing my loan. They were so attentive and answered all my questions, and there were a ton of questions from my side! They made me feel comfortable in the process as I…

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Check My Rate Inquiring won't impact credit

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