With HFS Financial, you don’t have to worry about wasting your time. That’s why we created the 60-Second Loan Inquiry and can get most consumers funded within 24 hours. You’ll receive a call, text and/or email within 24 hours or less, and usually in 1-2 hours of application, to discuss and review your loan terms and the home improvement project you have in mind. Simple, fast, honest, accurate, and completely confidential.

Loans powered by HFS 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 the consumer get all the money funded directly to you, upfront. 100% Direct to consumer funding is what we strive for.

HFS performs a soft credit check which does not affect your credit scores in any way. Since soft inquiries aren’t connected to a specific application for new credit, they’re only visible to you when you view your credit reports.