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
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
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
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
- 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
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Replied to 89% of negative reviews
Typically replies within 1 week
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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
15 June 2026
Fast and easy with quick response and…
Fast and easy with quick response and deposit of funds!
13 June 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.
15 June 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.
12 June 2026
My experience was great
My experience was great. Excellent service, fast and funded a Week and Half later.
12 June 2026
Adam Sidle and Carrie Decker were…
Adam Sidle and Carrie Decker were awesome to deal with. They made this process so easy.
12 June 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.
8 June 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.
10 June 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.
10 June 2026
Fast application easy to deal with
15 June 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
9 June 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!
9 June 2026
Process was easy and fast
Process was easy and fast! Honestly it surprised me. Thanks for everything.
8 June 2026
Loan processing was quick and customer…
Loan processing was quick and customer service was excellent.
8 June 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.
12 June 2026
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