FAQs

HFS Financial operates and can assist homeowners nationwide in securing loans for their home improvement needs.

HFS Financial can assist homeowners in securing home improvement loans for almost any residential home improvement project.

On the HFS Financial Home Improvement Loan Platform, homeowners are able to seek personal loans. This means there are no home equity requirements, no need to refinance or mortgage your home, no appraisals and no lengthy loan processes.

Currently, programs have rates as low as 7.99%, fixed with terms from 1 – 20 years and there are no prepayment penalties.

Nope! With HFS Financial you can submit your 60-Second Loan Inquiry, enter in how much you know or think your project(s) will cost and HFS Financial will be able to provide you with your available loan qualifications. From there you can proceed, or refine the numbers to confirm exactly how much you want to borrow.

Your monthly payments are determined by the rate of interest and term you qualify for. At HFS, we pride ourselves on making the entire application and approval process transparent and intuitive. To find your rate before you apply without any impact on your credit, feel free to use the Check My Rate tool.

HFS Financial can be reached at 800-254-9560 or via email at info@hfsfin.com

You are given a conditional approval or denial within 60 seconds. If approved, one of our financial specialists will contact you to proceed with the application process.

HFS Financial is not a lender. HFS Financial is a Home Improvement Loan Platform that brings together participating consumers, contractors, and lenders in one cohesive marketplace. We act as processing and technology power for many home improvement contractors and lenders to help them and our customers through the loan process, offering unparalleled access to loan product and services.

You can start the loan process quickly and easily by using our online Check My Rate tool. Or, simply reach out to HFS Financial online or by phone to speak with one of our loan specialists about your home improvement needs.

Most HFS Financial consumers that inquire at HFS Financial will get loan qualifications the same day they inquire. After supplying basic information and documentation, you can get a final approval as fast as same day, and fund in as little as 1 business day. For larger loans, the final approval and funding timelines may vary as we see larger dollar loans taking 3 to 7 days respectively.

HFS Financial offers several advantages over single lenders. By partnering with an elite network of industry-leading financial institutions, we’re able to secure loans that are perfectly suited to your home improvement needs with competitive rates and flexible terms to make managing your finances easy and affordable.