You Dream It.
We Build It.
HFS Finances It.
Fixed-rate home improvement loans from $3K to $450K, with terms up to 30 years and no home equity needed.
What Could Your Project Cost Per Month?
*Example payments at HFS’s published sample rate of 7.8% fixed for 20 years. Illustration only; your rate and terms depend on credit approval.
Funded in as Little
as a Few Days
Check your options online. It does not affect your credit.
See instant loan options or talk with a loan consultant.
Securely upload a few basic documents.
Money is available within 48 hours of approval.
Estimates use HFS’s published sample rate of 7.8% fixed and are for illustration only. Your rate, APR and terms depend on credit approval by HFS’s third-party lenders.
Homeowners Love How Easy It Is
“1 week is how long this loan took from checking my credit to funds in the bank.”
TerryHFS Financial customer review“Going through HFS to fund my pool was extremely easy and efficient.”
JohnHFS Financial customer review“From pre approval, processing, underwriting, to funding in one week.”
RebeccaHFS Financial customer reviewTwo Ways to Pay
Best for full projectsBigger Projects:
Ponds, Pools & Patios
- Borrow $3K to $450K
- Fixed rates, up to 30 years
- No home equity needed
- Funds paid directly to you
Best for smaller buysSmaller Jobs:
Repairs & Supplies
- Finance up to $25,000
- Terms from 3 to 60 months
- No hidden fees
- About a minute to apply
Answered Before You Ask
What types of financing does H2O Designs offer?
We offer flexible financing plans through trusted third-party partners. These options cover the entire cost of your custom Outdoor Living Spaces or Water Features project with competitive terms and easy application.
What can I use the project financing for?
Financing can be used for any of our services, including custom hardscape patios, outdoor kitchens, complex Water Features (ponds and waterfalls), and additions like Landscape Lighting and Outdoor Audio.
How do I apply for financing for my project?
The application is fast and secure, managed directly through our financing partner’s portal. Use the buttons on this page or Contact Us for a direct link to apply online from anywhere.
Why is financing a smart decision?
Financing lets you build your entire dream project now, adding property value and immediate enjoyment. It prevents delays and keeps the result cohesive and professional without draining savings.
Can I finance smaller purchases like pumps?
Our financing is mainly for larger construction projects, but smaller loans or promotional options may be available for large supply purchases. Contact Us to talk about your needs.
Where can I talk about financing in person?
Contact Us to schedule an on-site consultation, or visit our Design Center in Nicholasville to talk with an expert about your budget and design.
HFS Financial is not a lender. Information you provide is not a loan application with HFS; it is used to connect you with third-party lenders. Rates, terms and programs vary by lender and are subject to credit approval. Example from HFS: a $60,000 closed-end loan at 7.8% fixed (8.33% APR) for 20 years = 240 payments of $514.15. No prepayment penalties. Not all will qualify. NMLS #1680766.
All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by its lending partners. For example, a $1,200 purchase could cost $104.89 a month for 12 months at 8.9% APR, or $400 a month for 3 months at 0% APR. Offers range from 0–35.9% APR based on creditworthiness. See wisetack.com/faqs.
Ready When You Are
Check your rate in minutes, or call us to talk it through.
From the H2O blog
Helpful articles & answers
Straight answers from our team about ponds, outdoor living and more.
