HFS Home Improvement Loans

HFS Home Improvement Loans (HFS) helps contractors and retailers (merchants) close more jobs by making financing simple and fast. As a trusted finance partner, HFS enables contractors to offer home improvement loans right at the point of sale, helping projects move from “maybe” to “yes” more often.

Homeowners  are connected with fast, affordable financing for projects ranging from hot tubs, pools, and outdoor living spaces—such as hardscaping, plantings, grading, and full property redesign—to kitchen remodels and full-scale home renovations. If homeowners can dream it, HFS can help finance it.

The application process uses a soft credit pull with no impact to the customer’s credit score, and there are no equity requirements or appraisals—an attractive benefit for many homeowners.

While financing can sometimes feel like an uncomfortable conversation, a simple loan inquiry delivers loan options in under 60 seconds—helping homeowners understand a monthly budget they’re comfortable with while reducing friction for both customers and contractors. In some cases, homeowners can also consolidate existing debt as part of the project financing.

Both homeowners and contractors benefit from 100% upfront customer funding to $300,000, low fixed rates, and terms to 20 years. Loans can fund in as little as 24 hours, and there are never any contractor or dealer fees. 

Contractors see higher close rates, larger project scopes, and a smoother, more predictable sales process—while homeowners get the projects they’ve been dreaming about.