We chose HFS over Lyons and we are so thankful we did! HFS GETS 5 ⭐️’s! We had the absolute pleasure of working with Adam to initiate the home improvements loan request. From start to finish, the... See more
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There were some communication gaps, mostly the timeliness of responses, but none of that matters when you have a team working hard to secure the funds you need to complete a project. When the outcome... See more
From the beginning to the end of the process was exactly what was expected. The terms stated, to the process of paperwork. The communication was great and timely. I did not have anything unexpected h... See more
It was easy and navigating their portal was convenient and efficient turn around time with responses. Loan processor and officer were friendly and prompt. Thank you.
Company details
- Non-Bank Financial Service
- Business to Business Service
- Financial Consultant
- Loan Agency
- Marketing Agency
Written by the company
With HFS, you can rest assured you will be provided with industry-leading loan terms and the best customer service experience possible. Loans powered by HFS Financial are personal loans, which means no equity = no problem. The loan options are based on your income and creditworthiness. Unlike most home improvement loans, you as the consumer get the money funded directly to you upfront. HFS Financial loan programs do not fund to the contractor, which empowers YOU, the consumer, and makes life easier for the contractor when it comes to getting paid. HFS Financial prides itself on being one of the only options that ensures the full funds are disbursed directly to the consumer so that YOU control the money and not the contractor. Why let the lender fund the contractor directly and you have no say? That’s crazy! It’s your money and we believe you should be in control. Whatever your home improvement project is, inside or out, HFS Financial offers consumers access to the best personal loan options available based on our suite of custom-developed loan programs with industry-leading loan terms and low fixed rates. Once approved, loans can typically fund very quickly with little to no documentation required from the consumer. When you complete our fast and easy inquiry, the information you provide HFS Financial is securely transmitted to our in-house team of highly specialized financial loan consultants. In less time than any other home improvement loan process, we’ll have you connected with the project financing you need. We are your one-stop shop for any kind of home improvement loan: swimming pools, metal roofs, hardwood flooring, kitchen and bath remodels, basement finishing, outdoor kitchens, and so much more.
The Best Home Improvement Loan Experience
Written by the company
- HFS Helps Homeowners Realize Their Dreams
- At HFS, we are committed to helping homeowners seeking financing for virtually any home improvement through innovative financing options that coupled with our incredibly team and technology deliver a best-in-class lending experience.
Contact info
100 Owings Court #13, 21136, Reisterstown, United States
- (800) 254-9560
- info@hfsfin.com
- hfsfinancial.net
HFS - Easy Home Improvement Financing
4.6
Excellent
2K reviews
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Replied to 88% of negative reviews
Typically replies within 1 week
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The process seemed slower than anticipated
The process seemed to go slower than anticipated. No direct contact with underwriting: had to go through the loan officer at HFS for updates on status of the loan.
April 13, 2026
Ok but cumbersome
So the only real issue was after pre approval. The website is very poor in this department. A lot of the back and forth of needs the underwriting needed could have been made clear and available if the info asked by the system was clean and clear. No real issues but I could have provided all info that was needed in one lump if it were explained correctly or asked for the first time. You need to run a test trial on a test person otherwise you won’t see the issues if you do a test with someone who works for you if they already consciously know what you need.
April 13, 2026
Everyone was very helpful
Everyone was very helpful. I was doing this on my phone so I was stressed. However they made it very pleasant
April 17, 2026
Andrea was terrific to work with
Andrea was terrific to work with! Always available and very prompt with emails and texts!
April 16, 2026
Great communication and fast funding
Great communication and fast funding! Highly recommended.
April 17, 2026
Initial application process was easy…
Initial application process was easy and went quickly. As the process went on, the communication and timeliness lagged compared to other financers I have used. It was fine for me, but if I had tighter deadlines, it could have been a problem.
April 10, 2026
Trish was great in quickly responding…
Trish was great in quickly responding to any questions I had, the service was outstanding! Also, the process was simple and easy. Thank you for a great experience!
April 16, 2026
The associates were very knowledgeable…
The associates were very knowledgeable and worked with me and were very kind.
April 15, 2026
Like always I’m sure your team was met…
Like always I’m sure your team was met with challenges when it came to my account, but they never gave up and they were always professional helpful. I could never see anything negative about them.
March 10, 2026
Awesome experience from start to finish…
Whole process from start to finish was so easy. Ladeana was a pleasure to work with. It’s about a week or so from start to actually being funded for the whole process to be complete. All in all would totally recommend and use HFS again.
April 14, 2026
Professional and ease of application
April 7, 2026
The easiest experience I have ever had…
The easiest experience I have ever had in trying to get funding for a project. 10/10 Highly recommend!
April 13, 2026
I did not receive any account number…
I did not receive any account number information once I have been approved . I contacted a representative and she has mentioned that it would take an additional 24 hours to have an account number assigned to you.
April 13, 2026
Reply from HFS Financial
Congratulations on funding your home improvement loan via HFS. Account numbers may be issued at the time of loan approval or shortly thereafter. If you still do not have any information you need for the loan or account, please contact HFS at 800-254-9560 or via info@hfsfin.com.
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