“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 mean NO EQUITY is needed and all loans fund 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.