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
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Review summary
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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
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
Hfs was certainly easy to work with. There were a couple times I wanted a little more communication but actually the process was moving forward at lightning speed. Thank you for helping me out. Can't... See more
Company details
- #147 of 251 best companies in Non-Bank Financial Service
- #138 of 255 best companies in Business to Business Service
- #122 of 192 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
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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.
I would absolutely recommend HFS
I would absolutely recommend HFS! They were fast, easy to contact, quick to respond to questions, and made the whole process easy and pleasant. We got a few quotes and I am so happy with our choice to use HFS!
More specifically, Alexis was the best, she was so patient and easy to contact, she always responded promptly and was able to answer any question and even provided me updates without having to ask.
Thank you!
June 9, 2026
Process was easy and fast
Process was easy and fast! Honestly it surprised me. Thanks for everything.
June 8, 2026
Loan processing was quick and customer…
Loan processing was quick and customer service was excellent.
June 8, 2026
Reply from HFS Financial
We appreciate your feedback and wish you the best with your home improvement project! Thank you for allowing HFS Financial to assist you.
HFS was extremely helpful when I was…
HFS was extremely helpful when I was caught in a jam due to the incompetence of other some other lenders. With an extremely tight timeframe, they came through for me in a matter of hours. Blake was extremely helpful. I can’t thank them enough.
June 12, 2026
Fast and Easy
June 11, 2026
Fast,easy and the application was user…
Fast,easy and the application was user friendly. Customer service support was great.
June 11, 2026
Great experience start to finish
Great experience start to finish. Easy process and access to a real person made this one of the best loan applications I have used!
June 11, 2026
Besides taking tap weeks to get an…
Besides taking tap weeks to get an approval, all is well.
June 11, 2026
Easy and fast!
No hassle, easy and fast application process! Money was in my account faster than I ever expected! My home improvement project is off to a great start! Thank you!
June 3, 2026
Reply from HFS Financial
Thank you for your wonderful 5-star review! We're glad to hear that you found the application process easy, fast, and hassle-free, and that your funds were available even sooner than expected.
Our goal is to make financing home improvement projects as simple and efficient as possible, so it's great to know your experience reflected that. We appreciate the opportunity to assist with your financing needs.
Best of luck with your home improvement project, and thank you for choosing HFS Financial!
It was a simple application
It was a simple application, quick,and easy. The amount of time it took from start to funding was very quick.
June 9, 2026
From the start to finish very easy and…
From the start to finish very easy and stress free. The online Application easy and then a quick response. The communication through each step awesome.
June 8, 2026
Very positive experience!
Great response time at all steps even when underwriting was taking longer than usual. Super clear information every step of the way from everyone as well.
June 2, 2026
Great from the start to the end
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 happen during the process. I do believe that it is straight forward and with that said, you need to have all paperwork ready as a loan would typically need. If you are applying for a loan backed by a project for the house do note that it should be expected that a lien document will be used to back the loan, this is nothing new, but I read online that people were caught off guard with this process and left a bad review. I would not hesitate to use the company to apply for a loan.
June 9, 2026
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