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Deck Loans

You dream it, we finance it!

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  • 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 20 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.

Deck Loans

You dream it, we finance it!

  • Low-Fixed Rates
  • Direct-To-Consumer Funded
  • Personal Loans
  • Same-Day Qualifications
Check My Rate

Inquiring won't impact your credit

How much do you need?

Estimated Monthly Payment

$0.00

Inquire Now
How much do you need?

Estimated Monthly Payment

$0.00

Inquire Now

How to get a loan...

  1. 1

    Inquire for a loan

    Does NOT affect your credit, get same day answers

  2. 2

    Get prequalified

    View instant loan options 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

Deck Financing

A custom deck transforms your backyard into the perfect spot for relaxation and entertaining. With a deck loan through HFS Financial, it’s easier than ever to design and build a space that perfectly fits your lifestyle. We’ll connect you with deck financing options tailored to your budget and timeline, giving you the freedom to create a beautiful extension of your home without financial stress.

Whether you’re planning a small upgrade or a large multi-level deck, we provide custom deck loans that cover projects of any size. Our lightning-fast inquiry process won’t impact your credit score, and funds are released directly to you, so you stay in control of your project from start to finish.

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Inquiring won’t impact your credit

Patio Financing

Looking to expand your outdoor living area even further? With backyard patio financing from our network of trusted lenders, you can enhance your backyard with a durable and stylish patio that suits your needs. From concrete slabs to paver patio financing, we specialize in securing flexible loan options that make it simple to upgrade your outdoor space whether you need a landscaping loan, hardscape financing or an outdoor kitchen loan. 

At HFS Financial, we put you in charge with transparent preapprovals, competitive rates, and expert guidance at every step.

Start designing your dream deck or patio today—use our Check My Rate tool to see how much you could qualify for without impacting your credit.

Check My Rate

Inquiring won’t impact your credit

How much do you need?

Estimated Monthly Payment

$0.00

Inquire Now
How much do you need?

Estimated Monthly Payment

$0.00

Inquire Now
backyard with new landscaped deck
backyard pool with new deck
new backyard patio
backyard pool with new patio
backyard pool with new patio
backyard with hardscaped patio
backyard deck and pool
backyard with new raised deck
pool room and new deck
backyard with new deck

About HFS Financial and why our clients love us

HFS Financial website user

You dream it, we finance it!

Inquire Now About HFS

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.

Check My Rate FAQs

Inquiring won't impact your credit

Inquire about a home improvement loan today!

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What our happy customers say about us

Linda

Vicky and Kendra were very professional, knowledgeable, patient, and helpful. We are grateful for their assistance.

Rya

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

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…

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!

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 !!

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.

Lisa

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

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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Check My Rate Inquiring won't impact credit

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