Finance Your Home Improvement —Fast, No Equity Required

Check your partner program - no impact to credit and fund up to 120% of your total project cost. Approval decisions typically within 24 hours.

No Equity • No Appraisal • Direct-to-Consumer Funding • Thousands of 5-Star Reviews.

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HOW IT WORKS — 3 Steps

Check My Rates (Soft Pull)

60-second inquiry; no credit impact.

See Options

conditional terms typically available within 24 hours.

Get Funds Direct

full amount deposited to your bank; pay your contractor as you build.

PROGRAM HIGHLIGHTS

No Equity / No Appraisal

Personal-loan style home improvement financing. 

Up to 120% Financing

Cover project + upgrades/changes.

Direct-to-Consumer Funding

Clean payouts; predictable payments.  

Fast & Highly Rated

Thousands of 5-star reviews; quick decisions.

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ELIGIBILITY & USES — One glance

What You Can Finance

New homes, additions, ADUs, remodels, pools, decks, landscaping, outdoor living, and more.

Approvals depend on credit, income, and debt-to-income; terms vary by applicant.

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PARTNER STRIP

Powered by HFS Financial

We partner with HFS to bring you fast, flexible home-improvement financing. Learn more about HFS and its platform.

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FAQ

Does checking rates affect my credit?

No — it’s a soft pull.

How fast are options available?

Typically within 24 hours of inquiry.

How do I receive funds?

Direct deposit of the full amount to your bank.

Can you track the performance of digital marketing campaigns?

Our digital marketing agency offers services such as social media management, search engine optimization (SEO), pay-per-click advertising, content marketing, email marketing, and website design and development.

What sets your digital marketing agency apart from others in the industry?

Our digital marketing agency offers services such as social media management, search engine optimization (SEO), pay-per-click advertising, content marketing, email marketing, and website design and development.

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Download Complete Guide to the Partner home Improvement Program

What You’ll Learn in This Guide

  • How HFS Home Improvement Loans work — fast, direct-to-consumer funding.
  • Why no equity or appraisal is required to qualify.
  • How to fund up to 120% of your total project cost for upgrades, changes, or extras.
  • The 4 simple steps from inquiry to funding (soft credit check, conditional approval, terms in 24 hours, direct deposit).
  • How HFS has earned 1,500+ 5-star reviews and built trust nationwide.
  • Example scenario: fund a $100,000 project with a $120,000 loan (120% financing).
  • Link to HFS Financial for further details and compliance notices.
  • Options for borrowers with weaker credit, including FHA and VA construction loan programs.
  • Real California case studies, showing how homeowners and builders financed custom homes, remodels, and ADUs.
  • Checklists, worksheets, and resources you can use to prepare for your own construction project.

Licensed Expertise and Trusted Partnerships Powering Every Project

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Plan Your Build with Expert Guidance

Get answers on loan options, rates, and approvals in one quick call.

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