HFS has one-of-a-kind loan programs and world-class service, as shown by 1,500 + 5-star Reviews. HFS’s platform loans are personal loans, which means NO EQUITY is needed, and all loans are funded 100% Direct-to-Consumer. HFS performs a soft credit check to present you with full loan options. You can check your rates HERE with NO IMPACT TO YOUR CREDIT. Whether you want to finance the pool, deck, landscaping, and more, HFS is your trusted partner for the best loan and customer service in the home improvement industry.