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 252 best companies in Non-Bank Financial Service
- #137 of 255 best companies in Business to Business Service
- #123 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 86% of negative reviews
Typically replies within 1 week
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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
Fast and easy application over the…
Fast and easy application over the phone and quick response too... received the money in my bank within 3 days of acceptance... I'm very pleased with your service
June 9, 2026
It was a pleasure to do business with…
It was a pleasure to do business with HFS Financial. The only thing that prevents me from posting 5 stars is something really out of their control. Memorial Day fell in the middle of the approval process and it seemed that I needed to bump the staff to get the process going again. Other than that it was a seamless process. Thank you for the professionalism and courtesy of the entire staff.
June 1, 2026
Everything was pretty simple to get…
Everything was pretty simple to get done. Trish and Vicky made Everything easy and explained anything I needed. Would have gave 5 stars but the one complaint i have is the loans are not unsecured as HFS advertised. The lenders file a UCC-1 fixture filing on the property.
June 2, 2026
Mostly good
HFS should review their automated email processing. Communication was confusing. Would get reminders to complete tasks after tasks were completed and lack of communication during underwriting process was frustrating. Overall I’m happy with the terms. Just some servicing tweaks as relates to communication that really would have made the experience far more pleasant.
June 8, 2026
Reply from HFS Financial
Thank you for taking the time to share your feedback. We're pleased to hear that you were ultimately happy with the terms.
We also appreciate your comments regarding our communication process. Feedback like yours helps us identify opportunities to improve both our systems and customer communication.
Thank you for choosing HFS Financial, and we appreciate the opportunity to have assisted with your financing needs.
HFS finance did an amazing job and…
HFS finance did an amazing job and selecting the best Loan products for my home improvement needs. Their staff was amazing, informative and experience. They were very professional and efficient and walked us through the whole process which made things very efficiently and flawless. I definitely recommend HFS Financing for all your improvement..
June 8, 2026
Very easy process
Very easy process, was informed of next steps the entire process…quick funding time
June 8, 2026
HFS loan Broker
Did not realize I was going through a loan brokerage company that was going to charge me over 5000 dollars for the loan I needed I thought this was the loan company up until the day of signing. Lol I guess that’s why it was in “underwriting “ so long should have been called trying to find a loan company smh oh well live and learn will not get me twice. Also verbal communication was very poor had to call and leave messages and emails with no response finally got a phone call when I had trouble logging in to a third party loan center to sign the paperwork they made sure to walk me through that so they could also get paid. Also do not like the fact HFS received there money before I did. So 10 out of 10 will not do this again.
June 8, 2026
Reply from HFS Financial
Congratulations on your loan funding. HFS is a lending platform that connects borrowers with trusted lending partners across the nation. All loan fees are disclosed during the pre-approval process and again when the loan agreement documents have been issued for review and signing. If you would like to discuss further, we encourage you to email us at info@hfsfin.com and a member of our team will reach out to you promptly.
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