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
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Real Review!!! HFS very quick to connect with you, after the loan processor connected with me required info paystubs, dl, etc. NO ISSUES. there is a 24-72 hour wait before you hear anything. in 11 day... See more
Company replied
Andrea did a great job. She communicated well and provided clear instructions to help things keep moving along during the process.
Kathy was incredible and very responsive. HFS helped us where others couldn’t. I would highly recommend them for their efficiency and efforts.
Company replied
Company details
- #149 of 252 best companies in Non-Bank Financial Service
- #139 of 254 best companies in Business to Business Service
- #123 of 193 best companies in Financial Consultant
- #58 of 87 best companies in Loan Agency
- #11 of 34 best companies in 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
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Better communication on loan…
Better communication on loan information when things are missing.
July 6, 2026
Reply from HFS Financial
Thank you for taking the time to share your feedback. We appreciate you bringing this to our attention.
We're sorry to hear that our communication did not meet your expectations. We understand how important timely updates are, especially when additional information is needed during the loan process. Your comments have been shared with our team as we continue working to improve our communication and provide a better customer experience.
Congratulations on your funded loan. We appreciate the opportunity to assist you. We wish you the very best with your home improvement project.
They dont accept dual income. Which is u heard of and unethical.
They dont accept dual income. Which is unheard of and unethical.
July 4, 2026
Reply from HFS Financial
HFS is a lending platform that connects homeowners with lenders nationwide. Since each lender operates independently, underwriting guidelines, documentation requirements, and loan approval criteria may vary from one lender to another.
If you have any questions regarding your loan terms, funding details, or lender-specific requirements, please contact your lender directly for additional assistance.
Congratulations again and thank you for choosing HFS!
Very easy to get the approval…
Very easy to get the approval information in and the timeframe for approval was good
People were very friendly and helpful
Thank you
Craig
July 3, 2026
Everyone we worked with was outstanding…
Everyone we worked with was outstanding and professional. Blake explained rates and payments to where we understood; in addition Alexis was patient and professional all times.
July 2, 2026
Reply from HFS Financial
Thank you for the wonderful review! We're delighted to hear that you experienced great communication and a smooth process.
Providing attentive service and helping our customers navigate the financing process with confidence are priorities for our team, so it's rewarding to know we met your expectations. We appreciate the opportunity to assist you and thank you for choosing HFS Financial.
Very understanding about my situation…
Very understanding about my situation with HOA holding up the process
June 15, 2026
Fast and easy with quick response and…
Fast and easy with quick response and deposit of funds!
June 13, 2026
Reply from HFS Financial
Thank you for your review and for choosing HFS Financial, and best of luck with your home improvement project!
Absolutely the worst pool company to…
Absolutely the worst pool company to use EVER! they can't install correctly or they give you a 300 dollar salt system that you paid 2,300 for. Please save yourself the stress and money and find someone else. I wish I would have researched them more before I went with them.
June 15, 2026
Unprompted review
Reply from HFS Financial
After reviewing our records, we were unable to locate your information in our system. Additionally, HFS Financial is a lending platform that helps connect homeowners with financing options for their projects, but we do not perform or manage the installation work completed by contractors. Because your comments appear to relate to the products and services provided by the pool company, we encourage you to contact the contractor directly to address your concerns.
Very easy and fast they made my…
Very easy and fast they made my Financial need very convenient all in all I’ll give them a 10.
June 12, 2026
My experience was great
My experience was great. Excellent service, fast and funded a Week and Half later.
June 12, 2026
Adam Sidle and Carrie Decker were…
Adam Sidle and Carrie Decker were awesome to deal with. They made this process so easy.
June 12, 2026
Too Easy!
Very easy to complete. Supplied everything that was asked for and got approval a week later. Had constant communication with broker on what was needed and the format it was needed in.
June 8, 2026
HFS was a pleasure to do business with
HFS was a pleasure to do business with, everything went smooth from our agent to underwriting very professional. Will definitely reach out to this institution if needed in the future.
June 10, 2026
Reply from HFS Financial
Thank you for your kind words and for taking the time to share your experience! We're thrilled to hear that everything went smoothly throughout the process and that the team members assisting you provided the professional service you expected.
We truly appreciate your trust in HFS Financial and would be honored to assist you again in the future should the need arise.
Thank you for choosing HFS Financial!
Exceptional experience!
Start to finish every person that served me was helpful,courteous and patient.
Trish Osborne went above and beyond to help me secure my loan after I had to change contractors mid process. It was a the best decision I’ve made to go with HFS Financial.
June 10, 2026
Fast application easy to deal with
June 15, 2026
Reply from HFS Financial
Thank you for your 5-star review! We're glad to hear that you found the application process fast and easy and that your experience working with our team was a positive one. We appreciate your feedback and thank you for choosing HFS Financial. Best of luck with your home improvement project!
Great portal to upload documents
Great portal to upload documents, and sync with existing accounts
June 9, 2026
Reply from HFS Financial
Thank you for your review! We're glad to hear that you found our portal easy to use and that the ability to securely upload documents and connect existing accounts helped make the process more convenient.
We appreciate you taking the time to share your experience and thank you for choosing HFS Financial.
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.