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Home Improvement Loans

You dream it, we finance it!

  • Low-Fixed Rates
  • Direct-To-Consumer Funded
  • Personal Loans
  • Same-Day Qualifications
  • Terms Up To 20 Years
  • Inquiring Won’t Impact Your Credit Score
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Inquiring won’t impact your credit

How much do you need?

Lowest Monthly Payment

$0.00

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How to get a loan…

  1. 1

    Inquire for a loan

    Does NOT affect your credit, get same day answers

  2. 2

    Get loan offers

    Get instant loan answers OR speak with a loan consultant

  3. 3

    Verify

    Securely upload some basic documents for loan verification

  4. 4

    Get your funds

    Loan proceeds available within 48 hours of approval

What would you like a loan for?

Having usable, beautiful interior spaces makes being at home so much better. With financing through HFS, you can create new rooms in your home, get new flooring or tile, update your kitchen and bathrooms, or finish out the living spaces or basement – just to name a few. The HFS Financial loans for home improvement projects include:

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

The Best Home Improvement Loans

Making improvements to your home and property is a great way to maximize every inch of your living space. Your home should be your favorite place to be.

If it’s not, you don’t have to leave it that way. From major renovations and construction to smaller remodels, you will likely need financing along the way to get your home looking and functioning at its best. That’s why HFS Financial offers home improvement loans to support you in building, renovating, remodeling, and creating a space you love.

For decades, we’ve led the way in getting our incredible customers the home improvement loans they need for all of their home improvement projects. And with great rates, terms, and payment options, you’ll be thrilled to find that you can have the financing you need for almost any area in your home, inside or out.

Here are just a few ways that HFS Financial can assist you in building a life you love.

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Inquiring won’t impact your credit

The Best Home Improvement Loans for Renovations & Remodels

Whether you bought a fixer-upper as your first home, you’ve had your house for a while, or you want to rework the space you have, sometimes your home just needs a facelift. If you’re looking to remodel your whole house or only a single room, there is no need to worry when you work with HFS Financial. It’s simple to get the loan you need to transform all of your residential spaces.

Even if you are faced with a more major renovation, you can count on HFS Financial to get you the money you need – fast. And, we industry-leading loan terms and amounts so you can complete small or large projects with ease. From hiring skilled contractors to purchasing quality materials, your loan amount will be fully funded up front – making you a cash buyer. You’ll never have to wait on approvals or inspections before the lender releases the next round of funding.

You’ll control your home improvement project. With a simple online application process, it couldn’t be easier to get started on the personal home improvement loans that can help you revolutionize your space.

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Inquiring won’t impact your credit

Incredible Outdoor Home Improvement Loans

But don’t think that you are limited to improving only the interior of your home. Home improvement loans offer options to extend your livable space to the outdoors – increasing your square footage, adding incredible beauty, and maximizing the joy of being home.

It doesn’t matter whether you want to add some curb appeal, build or enhance hardscape and landscape areas, or even add a stunning new swimming pool to your backyard space. With a loan through HFS Financial, you’ll have the funds you need to create memorable spaces to gather and linger at home.

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Inquiring won’t impact your credit

Outdoor Home Improvement Loans

Here are just a few of the ways you can transform your home’s exterior:

It’s important that the outside of your home feels as good as the inside of your home. With HFS Financial, it’s never been more possible to make your outdoor dreams a wonderful reality.

How Does a Home Improvement Loan Work?

A home improvement loan is a personal loan that is used for a home improvement project — or projects. The great thing about a home improvement loan through HFS Financial is that you these are personal loans, so no equity and no appraisal are required or utilized.

What Should I Look for in a Home Improvement Loan?

When looking for the right home improvement loan, there are things to look for and things that you will want to avoid. The right loan makes all the difference in not only the way that you can spend your financing but also in the way that you receive the funds you need to get the job done right.

Avoid funding that has excessive red tape, staged financing, staged approval before rounds of funding can be released, or other issues that add frustrating limitations and delays. It’s your money, after all. You should be able to spend it on your home improvement project the way you see fit.

Working with HFS Financial allows you to cut through the red tape associated with many other types of financing. In as little as a few days, you can receive the money you need up front. Hire contractors and subcontractors, pay for quality materials and labor, DIY your project on your own terms, and so much more. You control your home improvement project however works best for you. HFS Financial is your ticket to easy, hassle-free financing for home improvement loans that you’ll love.

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Inquiring won’t impact your credit

How Do I Check My Rates and Payment Options?

With HFS Financial, it couldn’t be easier to get started on your financing application. If you have already found a contractor who offers financing through HFS, you can apply for your home improvement loans directly from their website. Or, if you are doing a DIY project or have a contractor who does not offer contractor financing through HFS Financial, exceptional financing is still available!

With our quick 60-second application, simply fill out our online form and submit it to see the payment options available for your sensational new home improvement project dreams. With personal loans for home improvement, creating the home you and your family deserve is easier than ever. From a new kitchen to a new pool and everything in between, HFS Financial can get you the funding you need for your project from start to finish. Apply today to discover the funding amount, rates, and terms available. Soon, you’ll be enjoying your new spaces in your gorgeous home. With HFS Financial, “You Dream It, We Finance It.”

Check My Rate

Inquiring won’t impact your credit

How much do you need?

Lowest Monthly Payment

$0.00

Inquire Now

About HFS Financial and why our clients love us

HFS Financial website user

You dream it, we finance it!

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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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What our happy customers say about us

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.

Virgil

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

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!

Jim

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

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 !!

Lisa

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

Rya

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

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!

Hollywood

I highly recommend HFS Financial. Rodney and JP were great to work with. Rodney answered all my questions in the beginning and JP kept me informed of every step in the process.

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.
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