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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Review summary
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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
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 88% of negative reviews
Typically replies within 1 week
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The application process was easy
The application process was easy, quick and proficient. You literally find out you’re pre-approved in minutes. Highly recommend.
14 May 2026
I really felt that the paperwork…
I really felt that the paperwork required by Lafayette credit Union was a little too much overboard it should be streamlined much easier than what it was
7 May 2026
The process was quick and easy
The process was quick and easy. Very friendly people to work with. The questions I had were answered in a very timely manner.
13 May 2026
They were in constant contact even when…
They were in constant contact even when we were having issues getting the documents to sign.
13 May 2026
It went well.
6 May 2026
HFS was amazing
HFS was amazing to work with. They do require you to stay on it and get the things they ask for...but as long as you do what they need. They are so easy to work with. They also gave me a loan at a better rate than anywhere else. Superb.
12 May 2026
Super easy to move through the process
Super easy to move through the process. Great experience. Will use again if/when needed.
12 May 2026
Easy process and great experience!
5 May 2026
It was a seamless experience with Trish…
It was a seamless experience with Trish to get the loan approved
12 May 2026
Communication
12 May 2026
Ladeana
Ladeana, Loan coordinator, was very efficient, professional. Explained things in great detail.
will refer people to your company
1 May 2026
Took over a week and still waiting for…
Took over a week and still waiting for funds to hit my account
Need more hunan interaction
11 May 2026
Reply from HFS Financial
Congratulations on funding your home improvement loan through HFS. We are glad to see you have funded and are sorry if expectations of a faster funding were set. Some loans can fund in a matter of a couple of days and sometimes it can take over 1 week. If you have any issues outstanding or feel you still have not received your loan proceeds, please do contact us directly so that we can resolve any outstanding issues or concerns you have.
Very well informed
Very well informed. She called back when she said she would. Explained everything to where I could understand.
4 May 2026
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