Three Lending Partners
We've partnered with three of the country's most trusted home-improvement lenders so you can compare options and find the right fit. All three offer soft credit checks (no impact to your score), personal loans with no home equity required, and 100% direct-to-consumer funding. Pick the partner that fits your project type and credit profile.
Lyon Financial — Pool Specialists Since 1979
Best for: pool projects and outdoor-living packages.
Lyon Financial has specialized in pool, spa, and outdoor-living financing for nearly 45 years. They know the construction timing of a pool project (which matters because pool draws typically come in stages — deposit, shell delivery, deck pour, final). Loan amounts up to $250K, terms up to 30 years.
Pool-specialist lender, terms up to 30 years, amounts up to $250K. Soft credit check.
Apply with Lyon ↗Viking Capital
Best for: hardscape, landscape, and patio projects.
Viking Capital offers unsecured home-improvement loans with competitive rates for clients with strong credit. High approval rates, no prepayment penalties. A good fit for hardscape projects where the loan-to-project ratio is moderate.
Unsecured home-improvement loans. No prepayment penalties. Soft credit check.
Apply with Viking ↗HFS Financial
Best for: clients prioritizing service and customer reviews.
HFS Financial brings 1,500+ five-star reviews and one of the best customer service reputations in the home-improvement lending space. Personal loans with no equity required, 100% direct-to-consumer funding. Same-day pre-qualification.
1,500+ five-star reviews. Same-day pre-qualification. Personal loans, no equity required.
Apply with HFS ↗