Inquiry Does NOT Affect Your Credit

  • Unsecured Loans - No Equity Needed
  • $30k as low as $229
  • $75k as low as $559
  • Loans up to $250,000
  • Terms up to 20 years
  • Fund All Home Improvements



Apply now by clicking your contractor’s HFS application link or at

Application takes 1 minute. HFS performs a soft credit check so there is NO IMPACT on your credit to see your personal loan terms.


If your application is accepted, you will be assigned to an HFS personal loan consultant who will contact you within 24 hours to discuss your loan terms.


HFS allows you to borrow up to 20% more than your home Improvement estimate($) or contract$). This is available should you require it to cover other

Example: Your estimate($) or contract($) totals $50,000. An overage of 20% would equal $10,000. In this example, you can borrow up to $60,000.


Once fully approved, the full loan amount funds direcily to the consumer’s checking account and never to the contractor.

Frequently Asked Questions

How do I apply?

Go to your contractor's website and apply in 1-minute using their dedicated HFS application link or visit

I want to control the funds. Does the Money Fund to me or the Contactractor?

HFS loan programs fund 1000% Direct-to-Consumer

Will Applying Hurt My Credit?

No, HFS performs a soft credit check in order to present loan options.

What Improvements Can I Finance?

Any and All Home Improvement(s).

What is My Monthly Payment?

Try the HFS loan calculator at You can borrow up to $250,000. A loan of $30,000 start at $229/month. for example.

What are the Loans Terms?

Rates start at 2.99% and are based on the highest credit score fo either applicant. Terms are from 2-20 years with no prepayment penalties.

Should i Apply Jointly?

While it is not required, HFS recommends applying jointly.

Is a Down Payment Required?

No down payment is required.

60 Seconds Loan Application