HFS Financial. See if you pre-qualify.
HFS Financial connects homeowners with participating third-party lenders for home-improvement and pool projects. HFS is not a lender or broker. AE Outdoor Living is not a lender either — AE does not approve, originate, service, or set the terms of any loan.
The HFS inquiry takes about 60 seconds and uses a soft credit check, so checking your options does not affect your credit score. A soft-credit inquiry is not an application: a full application, underwriting, approval, and funding involve additional steps with the lender, and may include a hard credit inquiry.
Prepare now, provide only when asked
Check options first: you do not need to wait for a final signed AE contract or upload a contractor bid just to start the HFS rate check. A rough project budget is helpful, but HFS says a contractor bid or signed agreement is not required to start.
Check options first
Initial HFS rate check / pre-qualification: about 60 seconds, a soft inquiry, and basic personal/household information. This is not a loan application or approval.
If you continue to a full lender application
Have available; provide only when asked:
- Government-issued photo ID
- Recent income proof such as pay stubs, W-2s, or tax returns for self-employed applicants
- Current employment details; additional self-employment documentation if requested
- Social Security number for the formal credit check
- Bank-account information for funding after approval
- Homeownership details or documentation only if the participating lender requests it
Exact requirements vary by participating lender, applicant, and program. A deed, appraisal, and home-equity documents are not universal HFS prerequisites for the personal-loan programs described; those programs do not require home equity or an appraisal. Homeownership may be verified by the participating lender.
How HFS Financial works for home-improvement and pool projects
HFS Financial explains how a homeowner inquiry works: HFS is not a lender — it connects homeowners with participating third-party lenders, and the initial inquiry uses a soft credit check.
What HFS currently publishes about these programs.
Personal home-improvement and pool programs currently shown by HFS. Amount available depends on the lender and the applicant.
"As low as" is the lowest rate HFS currently shows for these programs — not a rate offered to every applicant. Your rate, if any, is set by the lender.
Term options vary by lender, program, and amount requested.
HFS states 620 as a minimum qualification. A minimum is not an approval: lender underwriting, income, debt, and other criteria still apply.
The programs described do not require home equity or an appraisal.
Confirm prepayment terms in the lender's own disclosures before you sign.
Current HFS program information as of July 2026; subject to change. Not all applicants will qualify.
From project scope to lender decision.
- 01Plan the project with AE
AE scopes the work and produces a real project number so any financing conversation is based on the actual scope, not a guess.
- 02Submit the HFS inquiry
The HFS inquiry takes about 60 seconds and uses a soft credit check. It is an inquiry, not a loan application, and it does not affect your credit score.
- 03Review lender options
HFS connects you with participating third-party lenders. As of July 2026, HFS states conditionally approved customers may be presented loan terms within 24 hours. Full approval and loan documents are still required.
- 04Decide with the lender's own disclosures
Rates, terms, fees, payments, and funding come from the lender. Once fully approved, loan proceeds may be funded directly to the consumer's checking account. AE makes no approval, amount, or timing promise.
The 120% program feature, explained plainly.
As of July 2026, HFS states that some programs may fund up to 120% of total project cost — on a $100,000 project, that would be a maximum request of $120,000. This is a conditional program feature, not a guarantee: availability and amount vary by lender, program, and applicant, any amount above the project price is still loan proceeds you repay with interest, and lender approval and terms apply.
Current HFS program information as of July 2026; subject to change. Not all applicants will qualify.
Check options first: you do not need to wait for a final signed AE contract or upload a contractor bid just to start the HFS rate check. A rough project budget is helpful, but HFS says a contractor bid or signed agreement is not required to start. Initial HFS rate check / pre-qualification: about 60 seconds, a soft inquiry, and basic personal/household information. This is not a loan application or approval. If you choose to continue to a full lender application, have available and provide only when asked: Government-issued photo ID; Recent income proof such as pay stubs, W-2s, or tax returns for self-employed applicants; Current employment details; additional self-employment documentation if requested; Social Security number for the formal credit check; Bank-account information for funding after approval; Homeownership details or documentation only if the participating lender requests it. Exact requirements vary by participating lender, applicant, and program. A deed, appraisal, and home-equity documents are not universal HFS prerequisites for the personal-loan programs described; those programs do not require home equity or an appraisal. Homeownership may be verified by the participating lender. Never email or upload your Social Security number (SSN), ID, bank statements/details, tax returns, or income documents to AE Outdoor Living. Submit sensitive information only through HFS’s or the selected lender’s secure application. AE does not collect, review, or store financing documents.
No. HFS Financial connects homeowners with participating third-party lenders. HFS is not a lender or broker, and information you provide to HFS is not an application for a loan from HFS. AE Outdoor Living is not a lender either — AE does not approve, originate, service, or set the terms of any loan.
The initial HFS inquiry takes about 60 seconds and uses a soft credit check, so checking your options does not affect your credit score. If you move forward, the lender's full application and underwriting are separate steps and may involve a hard credit inquiry.
As of July 2026, HFS shows personal home-improvement and pool programs from $1,000 to $450,000, fixed rates as low as 7.80%, and terms from 1 to 30 years, with no home equity or appraisal required and no prepayment penalties on the programs described. These figures are current HFS program information, subject to change, and vary by lender, program, and applicant. Not all applicants will qualify, and "as low as" is not a rate available to everyone.
As of July 2026, HFS states that some programs may fund up to 120% of total project cost — for example, a maximum request of $120,000 on a $100,000 project. Availability and amount vary by lender and applicant, any additional funds are loan proceeds you repay with interest, and lender approval and terms apply. This is not available on every program or to every applicant.
As of July 2026, HFS states that conditionally approved customers may be presented loan terms within 24 hours, and that qualified borrowers may be funded as early as one day. Full approval and loan documents are still required, and exact timing depends on the lender, the amount, and the documentation requested.
Once a loan is fully approved, loan proceeds may be funded directly to the consumer's checking account. Payment to AE Outdoor Living follows your signed AE contract and its milestone schedule. Approval, amount, and timing are determined by the lender, not by AE.
No. AE does not approve or deny financing, does not set rates, terms, or payments, and does not participate in underwriting. All disclosures, decisions, documents, and servicing come from the third-party lender.
Ready to see your options?
The HFS inquiry is a soft credit check and takes about 60 seconds. A full application, underwriting, approval, and funding are separate steps handled by the lender.
HFS Financial is not a lender or broker. Information provided to HFS is not an application for a loan from HFS. HFS does not endorse, warrant, or guarantee the services or products of any lender or broker. Programs and information are subject to change without notice. Not all applicants will qualify.
Advant-Edge Decorative Curbing & Landscaping, Inc. dba AE Outdoor Living is not a lender, broker, loan originator, approver, or servicer of loans, and does not set rates, terms, payments, or promotional offers. All financing is offered, underwritten, approved, and serviced by independent third parties.
Current HFS program information as of July 2026; subject to change. Not all applicants will qualify. Rates, amounts, terms, approval, and funding timing are set by the third-party lender and vary by lender, program, applicant, and credit profile. A soft-credit inquiry or pre-qualification is not an approval or a commitment to lend.