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What customers say about HFS Financial
Recent reviews
The worst financial institution I have ever worked with. Their uploading system was the worst tool we had ever worked with to get documentation to them and never mind getting through to your representative they send u an email at the end of their work day stating what they need and is outstanding and are not there for any questions. We got them everything in timely manner but had to email it ans the uploading system was junk. We would get an automated email the next morning saying they needed everything we submitted to rep by email because their upload system was finicky and would accept most things and reps didn’t update systems that generated auto emails.
Then when everything is submitted we got a cold email saying denied with little or no explanation that was easy to understand in English. They do not factor in any of life’s events that may have caused this. Very impersonal and robotic. They are just a middle man making a percentage of money on your loan.
Don’t waste your time go to your own credit union or institution that cares about their clients they will not represent or fight for you with lenders and will leave you hanging out to dry if u are a marginal client.
They will tell you u that u are pre approved but at a higher interest rate, but when push comes to shove they aren’t representing you. This is the problem with these impersonal middle men. Don’t waste your time folks as they DONT care about their clients or are willing go to bat for you.
Reply from HFS Financial
2026.10.19
Thank you for sharing your feedback. We’re sorry to hear that your experience felt frustrating, especially regarding communication and the final underwriting decision.
While we work hard to provide accurate guidance and support throughout, we understand how disappointing it can feel when a decision changes late in the process.
We also recognize how important communication is, and we continuously look for ways to improve clarity, alignment, and transparency between all parties involved.
We truly appreciate you taking the time to share your perspective, as it helps us continue improving the experience for future customers.
While we work hard to provide accurate guidance and support throughout, we understand how disappointing it can feel when a decision changes late in the process.
We also recognize how important communication is, and we continuously look for ways to improve clarity, alignment, and transparency between all parties involved.
We truly appreciate you taking the time to share your perspective, as it helps us continue improving the experience for future customers.
I don’t typically write reviews but maybe my experience will help ease someone else’s worries. Okay so I was hesitant that HFS was a scam based on some of the reviews I read online. We needed a decent size loan to help build my mom’s ADU in our backyard. When we applied we were directly connected to Dan who provided us with rates and a ‘pre-approval’. I am the type of person that asks a lot of questions and Dan answered each and every one of them with patience and professionalism. Once we accepted their offer we were then connected with Erin our loan processor. Now Erin’s attention to detail was impeccable. She didn’t answer all of my questions like Dan did but she still did a great job. The portal was straight forward and we were able to upload all of the necessary docs (W2’s, paystubs, proof of residence, contractor contract and estimate, etc). I didn’t think the required documents were excessive like some previous reviews had stated. Once all of the forms were uploaded our contractor was sent an agreement separately from HFS. Essentially this agreement kept him liable to complete the project we were getting the loan from. Our contractor refused to sign the form because he didn’t want to have an agreement with anyone else other than his clients . Without this form signed we could not get funded so we had to seek out a different contractor who was more than happy to sign. That pushed us back maybe a week. Once a new contractor was brought on board the rest of the process was a breeze. Since we had a bigger loan we had two different lenders-one of the lenders was slower at getting docs out but got our funds right away while the other lender was quick with their forms but slow with their funds. Within 4 business days from underwriting we were funded directly to our bank account. The origination fee of the loan was included in the entire loan.
All this to say, I would recommend HFS and would work with them in the future. We were able to be funded in a timely manner and felt taken care of from the very beginning by Dan and his team. From our initial application to when we were fully funded it was 4 weeks. It would have probably been a week quicker if it wasn’t for the contractor refusing to sign the agreement but everything happens for a reason.
Reply from HFS Financial
2026.10.19
Irina, thank you for taking the time to share your experience with us. We value and appreciate your feedback. Best wishes on your home project.
They sold our information to 3rd party.
Denying a loan is one thing but these people make sure they make money on every inquiry. Was also told it would be a soft hit on our credit report. Another lie. Ever since I inquired about a loan from HFS my phone gets 10-15 calls a day.
Reply from HFS Financial
2026.10.14
Thank you for sharing your concerns. We’re sorry to hear about your experience and understand how frustrating unexpected calls or concerns regarding your credit report can be.
HFS Financial is not a lender. We are a home improvement loan platform that connects participating consumers, contractors, and lenders in one cohesive marketplace. Through our network of financial institutions, we help customers explore financing options that may offer competitive rates and flexible terms based on their individual needs.
We take concerns regarding personal information and credit inquiries seriously and would appreciate the opportunity to review the specifics of your experience. Please contact HFS Financial directly so our team can investigate your concerns and provide clarification regarding your application.
HFS Financial is not a lender. We are a home improvement loan platform that connects participating consumers, contractors, and lenders in one cohesive marketplace. Through our network of financial institutions, we help customers explore financing options that may offer competitive rates and flexible terms based on their individual needs.
We take concerns regarding personal information and credit inquiries seriously and would appreciate the opportunity to review the specifics of your experience. Please contact HFS Financial directly so our team can investigate your concerns and provide clarification regarding your application.
We were denied within 5 minutes after being pre-approved. We suspect the reason and could likely remedy the issue. However we have left messages and emails for Steve with no response. Haven’t heard a word from Kathy either. Such poor service. We have to wait for letters/emails for the reason of denial. The following statement is a joke. It was a statement to another disgruntled customer.
“We take customer concerns seriously and strive to communicate clearly and professionally throughout the process. We are sorry to hear you feel frustrated by your experience.”
Reply from HFS Financial
2026.09.28
Based on our understanding, Steven was able to connect with you, discuss your concerns, and your loan has since been approved. We are pleased that a resolution was reached, but we regret the frustration caused by the delays in communication leading up to that point.
Providing clear, responsive, and professional service is important to us, and we recognize that your experience did not meet those expectations. Your feedback regarding communication and follow-up has been shared with our team as we continually work to improve the customer experience.
We appreciate the opportunity to assist with your financing and wish you the very best with your home improvement project. If there is anything further we can do to help, please do not hesitate to reach out to us at info@hfsfin.com.
Providing clear, responsive, and professional service is important to us, and we recognize that your experience did not meet those expectations. Your feedback regarding communication and follow-up has been shared with our team as we continually work to improve the customer experience.
We appreciate the opportunity to assist with your financing and wish you the very best with your home improvement project. If there is anything further we can do to help, please do not hesitate to reach out to us at info@hfsfin.com.
You can try as a guest but it never sets an appointment even if it says one is available. I don't like using Microsoft 365 to set an appointment.
Reply from HFS Financial
2026.09.21
Thank you for sharing your feedback. We’re sorry to hear you experienced difficulty scheduling an appointment. We were unable to locate your information in our system based on the name associated with this review, so we’d appreciate the opportunity to learn more about your experience and determine how we can assist. Please contact us at info@hfsfin.com with additional details so our team can look into this for you.
I worked with HFS for almost two months straight, seemed like it was going to be straight forward and easy but it was not. I gave them everything they asked for and still had problems closing on a loan. They told me all I needed was signed estimates and then I can hire whoever I wanted to hire, but then they wanted contractors to register with them for some reason. Contractors are not going to register if I’m not going to hire them as I had many estimates to choose from and negotiate with. Wasted almost 2 months of my time. Would not recommend to anyone.
Have tried over and over again to contact customer service regarding a pool loan. I sit on hold for 30 minutes and then they tell me to leave a message and hang up on me. That’s a really remarkable way to chase away customers! Can only imagine what’s it like dealing with you if I had my loan with you. I will look else where. I’m sure someone else wants my business.
Reply from HFS Financial
2026.09.17
Thank you for taking the time to share your feedback. We sincerely apologize for the frustrating experience you had while trying to reach our customer service team. We understand how disappointing it is to spend time on hold only to feel that your concerns were not addressed, and we regret that we did not provide the level of service you expected.
At HFS Financial, we strive to make every interaction professional, responsive, and helpful. We are sorry that your experience did not reflect those standards. Your feedback regarding the difficulty reaching our team is valuable and will be shared with management as we continue working to improve our customer experience and communication processes.
We would appreciate the opportunity to learn more about your experience and see if there is anything we can do to assist. Please feel free to contact us directly at info@hfsfin.com, and a member of our team will be happy to review your concerns.
Thank you again for bringing this matter to our attention, and we wish you the best with your pool project.
At HFS Financial, we strive to make every interaction professional, responsive, and helpful. We are sorry that your experience did not reflect those standards. Your feedback regarding the difficulty reaching our team is valuable and will be shared with management as we continue working to improve our customer experience and communication processes.
We would appreciate the opportunity to learn more about your experience and see if there is anything we can do to assist. Please feel free to contact us directly at info@hfsfin.com, and a member of our team will be happy to review your concerns.
Thank you again for bringing this matter to our attention, and we wish you the best with your pool project.
Reply from HFS Financial
2026.09.14
We are sorry to hear you are experiencing difficulties with the application process. A member of our Contractor Success Team will reach out shortly.
Reply from HFS Financial
2026.09.09
Thank you for your feedback. We’re glad to hear you found the application process quick and easy. We noticed your 1-star rating and would appreciate the opportunity to learn if there was anything we could have done to improve your experience. Please feel free to contact us at info@hfsfin.com so we can better understand your concerns.
This was the most enjoyable process in purchasing I've encountered to date! I cannot brag enough on Tiffany Lufkin, her people skills and communication and silliness to help sort thru documents, line out issues and funding. Cannot say enough about the professionalism she possess. I will be back for future needs. Sincerely Tim.
The representative Adam is a very condescending guy and needs to learn some professional manners. In no way should he be facing customers. All he did was talk down to my wife the whole time he was on the phone.
Reply from HFS Financial
2026.08.21
We regret that the experience did not meet your expectations and are always open to constructive dialogue. If you’d like to follow up, we encourage you to contact us directly so we can address any remaining concerns. The best way to reach us is by emailing Info@hfsfin.com
HFS got us approved in just a few minutes. Funded the load in 4 business days just as promised.
Thank the entire team for making this as smooth as possible.
Reply from HFS Financial
2026.08.13
Thank you for your kind review. We are so happy to hear that your experience met your expectations. Best wishes on your Home Improvement project.
Frequently asked questions about HFS Financial
How many reviews does HFS Financial have?
HFS Financial has 2,490 reviews on Trustindex, collected from Google and Trustindex.
What is HFS Financial's average rating?
HFS Financial is rated 4.7 out of 5 based on 2,490 reviews. 90% of reviewers gave five stars.
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