Inquiring won't impact your credit

Create your dream home with a 20-year loan

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

20-Year Home Improvement Loans

Transform your home without blowing your monthly budget with a convenient and affordable 20-year loan from HFS Financial.

Our 20-year home improvement loans and 20-year pool loans mean you can think even bigger when it comes to making those changes to your property that you’ve always dreamed of. That could mean a luxury swimming pool in your backyard, a new extension for a home gym or playroom, or perhaps adding solar panels to create your own green electricity and reduce your energy bills.

Our competitive rates combined with the extra affordability that comes with spreading your repayments over such a long period mean that you don’t have to hold back when it comes to choosing which upgrades you want to go ahead with.

If you’d like to know more about the competitive rates we can offer on our 20-year home improvement loans, why not use our convenient Check My Rate tool today? It won’t affect your credit rating, and you might discover that you can do more to your home than you ever thought possible!

Check My Rate

Inquiring won’t impact your credit

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 our Home Improvement Loans

How to get a loan…

1
Inquire for a loan

Does NOT affect your credit, get same day answers

2
Get loan offers

Get instant loan answers 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

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 application and approval 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 application 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.

$300,000
Max Loan Amount
20,000+
Homeowners Funded
20,000+
Contractors on our Platform
3,000+
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.

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

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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Check My Rate Inquiring won't impact credit

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