The application and subsequent approval process was easy to follow and very fast. They kept me informed of necessary documents, and there were no delays. Emails were answered promptly, and the ability... See more
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
First I want to say, this was the most east way to do a loan. From the initial start of a qualification, to the outstanding Customer support. It was hassle free. Tiffany made all the obstacles disapp... See more
Company replied
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
They had a great estimator tool that doesn't require giving them all your personal information up front, and they had some of the best rates around. Then I actually got to talk to someone who went th... 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
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 90% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Straight forward and easy process
Straight forward and easy process. You know what to expect from the start.
3 September 2026
Reply from HFS Financial
Thank you for the great feedback! We’re glad you found the process straightforward and knew what to expect from the start. Providing a clear and easy experience is important to us. Wishing you the very best with your project!
Great Service
Thank you, Blake and Kathy for making the process to obtaining my loan approval successful. I appreciate your prompt communication even during this very busy time.
Lana’s
2 September 2026
Reply from HFS Financial
Thank you for the wonderful feedback! We’re glad Blake and Kathy provided the prompt communication and support you needed throughout the process. We’ll be sure to share your kind words with them. Thank you for choosing HFS Financial, and we wish you all the best with your project!
The application process was straight…
The application process was straight forward, the people that reached our were helpful. This combination made the experience easy and painless.
1 September 2026
Easy process and quick response.
27 August 2026
Stress Free Experience
Awesome experience working with Trish Osborne. Very efficient yet thorough process. Can't believe it is already approved and on to funding in just 10 days from the point of inquiry.
3 September 2026
Reply from HFS Financial
Thank you for sharing your experience! We’re so glad Trish provided efficient and thorough service and helped make the process stress-free from application through funding. We’ll be sure to share your kind words with her. We appreciate you choosing HFS Financial and hope you enjoy your completed project!
I really appreciate your business with…
I really appreciate your business with helping me be able to get a new roof. However I really wish the payments were a little lower, but it will all be great. Thank you
27 August 2026
Quick Process
Overall, very pleasant experience. We got conditional approval quickly. Once everything went to underwriting, we got final approval quickly. I would definitely use HFS again.
3 September 2026
Everyone was very helpful throughout…
Everyone was very helpful throughout the entire process. The process itself was timely, informative, & understandable. Overall experience was excellent!
3 September 2026
The process was simple and easy and…
The process was simple and easy and went surprisingly fast. Good communication through out the process.
26 August 2026
Carrie decker did an excellent job with…
Carrie decker did an excellent job with everything.
31 August 2026
Reply from HFS Financial
We’re delighted to hear about your experience with Carrie! Providing excellent service throughout the financing process is what we strive for, and we appreciate you taking the time to recognize her. Thank you for choosing HFS!
Process was quick and simple
Process was quick and simple. My loan agent was very helpful and quick to respond to my questions or concerns.
25 August 2026
Cyndi and Andrea were both incredibly…
Cyndi and Andrea were both incredibly helpful and quick to respond when I needed help with something!
31 August 2026
Reply from HFS Financial
We’re so pleased to hear Cyndi and Andrea were there when you needed them! Being responsive and helpful throughout the process is important to us. Thank you for taking the time to recognize them and for choosing HFS! Best wishes with your upcoming project!
The process was fast and easy
The process was fast and easy. Very cooperative correspondence. Very Happy with the whole process!!
28 August 2026
Great Experience
Everyone was so helpful during the whole process.
Would highly recommend !!!
28 August 2026
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.