We chose HFS over Lyons and we are so thankful we did! HFS GETS 5 ⭐️’s! We had the absolute pleasure of working with Adam to initiate the home improvements loan request. From start to finish, the... See more
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Review summary
Created with AI, based on recent reviews
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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
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 h... See more
It was easy and navigating their portal was convenient and efficient turn around time with responses. Loan processor and officer were friendly and prompt. Thank you.
Company details
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 88% of negative reviews
Typically replies within 1 week
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Application process was easy
Application process was easy. HFS was very helpful and available to answer all my questions. Would recommend to anyone.
15 May 2026
The diligence and ease of working with…
The diligence and ease of working with this company can not be praised enough! Carrie was phenomenal! Professional and a great communicator!
18 May 2026
Excellent Service
Prompt service, excellent customer service, stayed on top of loan and gave prompt feedback
13 May 2026
The process took 8 weeks
The process took 8 weeks! The person assigned to my load didn’t ever answer a phone call to answer any questions I had! She reverted to email only which added days or weeks to answer a simple question that could have been cleared up instantly. She gave vague answers to my questions and for someone who didn’t understand the process only until she gave a direct answer did things move forward. I will not recommend HFS to anyone for that reason. HFS should work to be more personal with Clint’s !
13 May 2026
Reply from HFS Financial
Congratulations on your funded loan, and thank you for taking the time to share your feedback. We are sorry to hear that your experience did not meet expectations, particularly regarding communication and the overall timeline of the process. We recognize the importance of being able to speak directly with your loan processor and receive clear, timely answers to your questions. Your comments regarding responsiveness and communication will be reviewed internally as we continue working to improve the customer experience. We appreciate your feedback and the opportunity to learn from your experience.
Adam and Carrie were very helpful and…
Adam and Carrie were very helpful and answered my questions
12 May 2026
I liked how the process was fast and…
I liked how the process was fast and easy and not alot of stringent paperwork was asked.
What i disliked was I could never get ahold of the loan processor for questions I had.. I actually had to call other departments at HFS to pass messages for me which I felt is totally unprofessional..
11 May 2026
Reply from HFS Financial
We appreciate you sharing your experience. We are pleased to hear that you found the application process fast and easy. At the same time, we regret that communication during your loan process did not meet expectations.
Customers should be able to easily connect with their loan processor when questions arise, and we understand your frustration with having to contact other departments for assistance. Your feedback is valuable and helps us identify areas where we need to improve.
Excellent team
Excellent team! Trish and Dan are greta at what they do, and were able to help us with our myriad of questions.
18 May 2026
cdecker was on point ahead of kept me…
cdecker was on point ahead of kept me up to date on every thing. It was easy process
18 May 2026
It was a bit confusing,at first
It was a bit confusing,at first, because I didn't have a membership number. Finally got a hold of a person who was helpful. She was a bit snippy but ended up being helpful. For people who don't know their way around technology, this process could be a bit frustrating.
8 May 2026
Funding with Ease! Communication is the key with any…
Communication is the key with any transaction. The loan representatives, Trish Osborne and others, made this experience thorough and concise.. I appreciate the knowledge and expertise of the representative and company. Your staff displayed courtesy and professionalism throughout the process. They were available in a timely manner. I will recommend this company to my fellow associates should they be in need of funding. Thank you to the company for your expert processing and confidentiality in handling my recent transaction.
8 May 2026
There has been a lot of confusion as to…
There has been a lot of confusion as to what documents needed signed, and what we were supposed to do.
Now I can't access my account to setup payments.
15 May 2026
Reply from HFS Financial
Congratulations on funding your home improvement loan through HFS. We will ensure we contact you directly to confirm you are aware of how to make payments if you have not elected for autopay. That information would have been provided prior to and during the approval, closing, and funding of your loan as well if you reference those emails.
its ok the customer review is not too…
its ok the customer review is not too good but ok my problem was solved
5 May 2026
Unprompted review
Reply from HFS Financial
Hi, As this was an organic review and not an invited review based on an account that you have with HFS we cannot find any record of you in our systems. This is HFS Financial (www.hfsfinancial.net), if this is not the company you intended to leave the review for, we want to bring that to your attention. If we are the company you intended to leave the review with, you can provide us more information about your loan experience so we can better understand how to assist.
They responded real quick after I was…
They responded real quick after I was considering using them. They made the process easy and was done in a timely manner.
15 May 2026
The application process was easy
The application process was easy, quick and proficient. You literally find out you’re pre-approved in minutes. Highly recommend.
14 May 2026
I really felt that the paperwork…
I really felt that the paperwork required by Lafayette credit Union was a little too much overboard it should be streamlined much easier than what it was
7 May 2026
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