The interest rate on these loans is higher than on other types of loans. Simply put, you provide the financing service through your partnership with HFS Financial, and we connect your customers with the right loan for their needs. Once approved, loans can typically fund in 24 hours with little-to-no documentation required from the consumer. We did a 20 year fixed loan and they found us a rate at 5.99%. Financing Your Pool. Personal loan financing through HFS Financial is not like a secured loan through a bank. 15 Year Term With financing from HFS Financial, youll have a way to show them just how little a monthly payment can be for their project. Before each stages payment is released, we ask that you complete a brief electronic form to verify that the scope of work for that stage has been completed. APR, terms, and loan amounts may differ based on loan purpose and credit profile. Treasure Pools has partnered with HFS Financial and Lyon Financial to offer superior financing options. Advertised terms are subject to change without notice. We are going to use Randolph Brooks Federal Credit Union. If you have a credit score of 600 or higher, you are more likely to qualify for a pool loan. Anything that you are not familiar with would be challenging and would look complicated, but Adam Sidle and Krystie McMahon extended all the help and provided all the information I needed to know which helped a lot in making my application for the loan a breeze and easy. I ended up. I recommend HFS to everyone I work with., I believe the rapid response back to our homeowners has been huge along with the great rates. Every time we had a question Jamie response was immediately. The company is a member of the Better Business Bureau and has an A+ rating with the organization. Lets us help you with your dream of pool ownership. Hello , This is an inactive thread. Approved within hours. Lyon Financial. You might also consider using a credit card as your method of financing. Light Stream. For one, Lyon Financial offers a wider range of loan products than HFS Financial. Your customers will know upfront how much they are approved for, the scope of the project they can afford, and the way the funds will be received. HFS Finacial experts, The Pros and Cons of Adding an Accessory Dwelling Unit. APR, terms, and loan amounts may differ based on loan purpose and credit profile. Exact interest rate determined by credit profile. Unfortunately, many other companies take a customers information and scattershot the request to all their lenders. Adam Sidle and Krystie McMahon were an awesome team and great from start to finish. Talk with pool builders to get estimates on the total cost of your desired pool project. Close the deal by simplifying the lending process. After the conditional approval, income verification documents need to be submitted. Lyon Financial is a financial services company that offers a variety of products and services to its clients. HFS Financial: Apply Here. Capital One 5 years . Conditions and limitations apply. Your APR and monthly payment may differ based on loan purpose, amount, term, and your credit profile. I would recommend Jay and HFS Financial to anyone looking for a loan for home projects. Not all will qualify. Thanks, HFS!, HFS has provided loans for customers in a prompt timely manner for us. Does contractor financing impact my credit score? Accessory Dwelling Units (ADUs) are add-on living areas You no doubt come across all kinds of customers who Every client deserves to hear about their financing Offering financing for your contracting customers can We know youre busy. The worlds cultural corporate capitals: where best combines art and business? Are you ready to get paid on your schedule instead of the banks? They did a great job financing my project quickly and answered all of my questions really fast. Personal Home Improvement Loans. One of our exclusive lenders will then receive the application. Some companies, however, will accept lower credit scores. Loans powered by HFS are personal loans, which means no equity = no problem. Because their home improvement loan funds upfront, your customers can quickly and easily access the funds they need and you get paid quickly on your terms. Conditions and limitations apply. Non-Bank Financial Service HFS Financial HFS Financial Reviews 1,142 Excellent 4.8 VERIFIED COMPANY hfsfinancial.net Visit this website : BS Brandon Smith 1 review US A day ago Great Experience! What credit score do you need for pool financing? Now trying to refinance our home and there is a UCC lien Personal loans ranging in size from $20,000 to $25,000 are available from a number of lenders. Quick online application. Salt Generating System Pentair intelliChlor, Tru-Tile by Latham Industries in Vinyl and Hybrid Pools, Weekly Cleaning Weekly Service Weekly Cleaning Service, AMS Financial Swimming Pool Loan Solutions. Here at HFS, we dont only exist to help homeowners find financing to bring their dreams to life. All loan programs found at www.hfsfinancial.net have no fees or penalties for prepayment. In the Non-Bank Financial Service category. Most credit cards only offer zero-interest periods for the first 12 to 21 months. Which for 12 years is still lower than any others I can find. Very understandable and easy, seamless application process. You can direct interested customers right to the HFS Financial widget on your website to start their financing inquiry. As a matter of policy, BBB does not endorse any product, service or business. When a customer sees just how little their monthly payment could potentially be, many customers choose to increase the scope of their project. There are many Lyon Financial pool loan reviews available online. Very happy with them. Train your sales team to talk to every client about financing and to direct them to the HFS Check My Rate tool, where they can get an estimate of their loan payment in real time. Find out how we combat fake reviews. When they get funded through HFS Financial, each customer is essentially a cash buyer. Loan Example: A loan for $60,000 with a fixed rate of 6.99% and an APR of 7.37% for a term of 20 years would result in 240 payments of $478.76, assuming the applicant(s) do not pay off the loan early. I got mine through Lightstream. It is our recommendation that you use a single credit bureau in order to obtain an accurate picture of your credit status. Are you going to purchase a small above-ground pool that you could pay off in 15 months using a zero-interest credit card? The Birdeye app powers this profile. Highly recommend! I would recommend LendKey Financial backed by Xcel Federal Credit Union. The loan team member will review the terms and conditions with you, ensuring you are paired with the program that best suits your needs and qualifications. They also have a great rate on home improvement loans which this will fall under. If your credit score is less than 600 or you do not yet have a credit history, you can still hold out hope. For over 40 years, Lyon Financial has provided personalized, hassle-free financial solutions to bring backyard dreams to life. Many, if not most, of your competitors will not offer financing so just the fact that you do gives you a huge competitive edge. Its not a best practice and its in the worst interest of the client. Ideally, your credit score should be 700 or above. We will arbitrate between you and the contractor, should any conflicts or misunderstandings arise. Thanks you both for an amazing experience. What is a good interest rate for a pool loan? By using the HFS Financial widget on your website, its easier than ever for customers to access financing for their home improvement projects. Once the loan documents are signed and returned to Lyon Financial, the builder is given a clear to start and construction can officially begin. No. You will get much more visibility by. When you complete our fast and easy inquiry, the information you provide HFS is securely transmitted to our in-house team of highly specialized financial loan consultants. We particularly enjoy the quick turn-around times for the loans and the excellent communication we receive. Lyon Financial has long enjoyed an outstanding reputation for a couple reasons: we believe in what we are doing, we never forget we are in the business of families, and we have consistently served up the same quality customer service as we have since Day One. Plus, they will enjoy competitive interest rates and fixed payments that fit within their budget. Some other things that make us stand out: This is probably our most frequently asked question. If you default on your loan, the lender could foreclose on your home. Advertised rates and terms are subject to change without notice. Thats where our excellent customer service begins. With over 400,000 satisfied customers nationwide, we know what a pool means to you and your family. With HFS, you can rest assured you will be provided with industry leading loan terms and the best customer service experience possible. A cash-out refinance might make sense if youre able to get a lower interest rate than your current mortgage. Subject to change. Highly recommend!, What impresses me the most about HFS is how quick and easy the process is for both the customer AND salesperson. We had a great experience with HFS Financial, Adam and Jennifer made the process fast and easy. Look no further than HFS, their team is simply the best!, We love sending our clients to HFS. Rethink your kitchen storage space with financing for a kitchen remodel. Couldnt recommend the two of them any more! How Do I Talk to My Clients About Home Improvement Financing? When a company has such a focused vision, it is easy to cut through the clutter to get the job done. While we are located in Maryland, we do conduct business in all 50 states. We are clear and upfront about every aspect of your loan. The lender can securely transfer the loan funds right to their bank account so they can start their project as soon as possible. I also enjoy how responsive your company is with me as well., "HFS Financial has been awesome. Terms, amounts, and APR may differ based on loan purpose and credit profile. To answer the question about which credit bureau does Lyon Financial use? 2023, International Association of Better Business Bureaus, Inc., separately incorporated Better Business Bureau organizations in the US, Canada and Mexico and BBB Institute for Marketplace Trust, Inc. All rights reserved. Here are some ways that offering financing can help your business grow. What credit bureau does Lyon Financial use? Hi,If you have funded a loan through HFS please know that all loan terms are always fully disclosed prior to approval and funding. This type of financing is the same as applying for a personal loan or pool loan. How Do I Set Up the HFS Widget on My Website? When you want to make the most of your financing partnership, its important to talk to every client about home improvement financing. They are both similar in that they offer competitive rates and terms, and they both have a wide variety of repayment options. Conditions and limitations apply. A score of at least 680 is frequently required for home equity loans and home equity lines of credit. Financing also allows customers to dream bigger. Rates vary depending on project size and other factors, so be sure to discuss your customers specific needs with them before they start their finance inquiry. Those with a good credit score and little or no money are ideal candidates for quick start loans. The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes. That means that customers can find the right loan for their needs and budget. By providing financing to potential customers, you can easily help them make their home improvement dreams a reality. Oh, that would be about $350/month? Every customer can rest assured that when they choose your contractor financing, they are getting a reliable and secure solution from a trusted partner. Lyon Financial is a credit bureau that uses a variety of financial data to help businesses make informed decisions about lending money. We hold a steadfast position to never allow a customers credit to take more hits than it should. We have served over 100,000 customers since 2004 and are trusted by over 25,000 contractors to help their clients with their financing needs. (No pre-payment penalty) scores from 620 & up (no lates on the mortgage, (last 2 years) collections, charge offs, BKs, short sale, or loan modifications in the last 3 years. Unlike many banks and credit unions, our experience is unique to swimming pools, not just any type of loan. Additionally, Lyon Financial has a higher customer satisfaction . HFS makes the application process easy with a user-friendly website and document upload process. Unlike some of our competitors we dont shotgun customers credit. I would recommend LendKey Financial backed by Xcel Federal Credit Union. If you have a significant amount of equity, you could finance your pool project this way. My clients always seem to have great things to say about service, ease of qualifying process as well as the delivery of funds which is critical for us in assisting them for their pool construction to get started. We understand that an effective process is one that: Through every business technological advance over the years to each swimming pool innovation, we have stood firm on the principle of helping people get what they want. So happy to work with them and would recommend to anyone. The HFS team Adam and Andrea are awesome! They can apply for a loan for up to 120% of their full home improvement vision and pay for it over time with convenient options. Heres what a few top lenders are currently offering. If you want to get a pool loan, who should you get it for? With our easy-to-use tools and support, you can increase your sales, reach more customers, and show off all of your incredible projects to the world. Our aversion to this approach is just one of the things we do to act in the consumers best interest. HFS Financial recognizes that there may be differences in interest rates based on loan amount, credit history, and other factors. Amounts from $50,000 to $200,000 When it comes down to choosing a contractor who offers financing and one who does not, customers love the ease and convenience knowing that everything for their project can be taken care of in one place. If youre able to open a zero-interest credit card and pay the balance back before the zero-interest period expires, paying with a credit card can be a great option especially if its a rewards card thatll give you points, airline miles or cash-back for spending or a bonus just for opening the account. From small renovations and repairs like a new roof or windows to larger projects like remodeling bathrooms and kitchens or building a sensational new swimming pool whatever financing the customer needs for their project is within reach. Companies can ask for reviews via automatic invitations. Dear Penny: How Do I Move Past My Husbands $150K Gambling Losses? Please don't hesitate to contact us for financing assistance at (904) 223-4050. ", HFS has great customer service and rates. Did you pay that fee? Very easy to work with and fast approval. It is being practiced by thousands of pool owners just like you. HFS Financial offers low fixed rates and flexible payment options with terms up to 20 years. Application process was easy and decisions arrived on-time. We take the burden off of you so that you can do what you do best building the most fantastic home improvement projects around! If you have any questions about swimming pool loans or home improvement loans call 1-800-254-9560 and press 5. And happy customers mean great references, more sales and more success for your business. HFS has thousands of 5 Star Customer and Contractor Reviews. Each program pays in at least three stages, from excavation to project completion (as defined in the contract). Some affiliates of Lyon Financial may offer a rate discount via AutoPay. Advertised rates and terms are subject to change without notice. Its been a real asset to have your link on our webpage. Only after checking their rates and starting the discussion with HFS Financial will they apply for the right loan for their needs. No problem! HFS Financial is not responsible or liable for any products, services, information,or other materials displayed, purchased, or obtainedbecause ofor in connection with this web site, including, without limitation, any agent referrals, loan recommendations, application, approval, pre-qualification,loan,or interest rate analysis. Personal loan terms generally range from about two to 12 years though some pool loans can have terms up to 20 years or more. HFS Financial doesnt have any prepayment penalties on the loans we pair your clients with, making it easy for customers to pay off their loan early and save money in the long run. Expect to provide information about your income and other existing debt. Were here to help you grow your business and build relationships that last. If my customers use the widget, how do I know if my customer is approved for their loan? Lyons Financial is a highly respected financial institution, and as such, they have high standards for who they approve for loans. Their rate is low, but they have a $1995 "processing fee" paid to them out of the loan proceeds. We make memories. Thank you! We are proud to offer our unique financing program to those who have served or are currently serving our country. As an HFS Financial contractor partner, you have a wealth of benefits available to connect you with customers, to build your business, and to provide training and sales techniques to help you and your staff seal the deal. Should you need copies of documents you were sent and signed please dont hesitate to request this information.We are sorry to hear that you feel loan information was not disclosed. Easy to apply. If you want to add a pool to your property, but dont have the cash upfront, you have several options. The high cost to install a pool means that many people rely on pool financing. The technical storage or access that is used exclusively for statistical purposes. Advertisement. Its simple to find the best financial services in your area. Get Paid on Your Draw Schedule, not the Lender's. Get Automated Updates on All Your Customers. Offering financing helps you reach an array of customers. Lyon Financial is pleased to offer a wide range of financing options to applicants with a credit score of at least 620. Credit scores must be at least 620 in order to apply; however, there is no credit score requirement. Open a high-yield savings account to use as a sinking fund and dont make withdrawals from the account until youve reached your savings goal. The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network. While youll only pay back what you borrow, the interest on HELOCs are usually adjustable rates rather than fixed rates. The reason is simple: TFPC (Trouble Free Pool Care) is a methodology, not a product that you must purchase. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. The lowest interest rates are reserved for those with excellent and substantial credit. Each pulls their own credit report on the customer, resulting in many unnecessary hits. You could get a personal loan (sometimes referred to as a pool loan), a home equity loan, a home equity line of credit or a cash-out refinance. By giving customers the flexibility to pay for their home improvement projects over time, you open up a world of grand opportunity. Lyon Financial is a leading provider of military loans and financing options. What kind of rate and term can I get for my home improvement project? By discussing financing with every client, your sales grow while your clients get the features theyre dreaming about! Funding Your Around The World Travel Experience. We look at overall credit health, including your debt-to-income (DTI) ratio. With HFS Financial, your clients dont have to jump through hoops to find their loan and can get started on their project more quickly. After working with contractors for so long, we know what a game-changer that is. We handle all of the heavy lifting, so you dont have to worry about any part of financing for your customers beyond chatting about how they can fund their project. Advertised rates and terms are subject to change without notice. Customers love having options when it comes to how they pay for products or services and HFS Financial makes it easy for your business to become a frontrunner in your area. It is personally reviewed by a member of our loan team. You could teach your kids to swim right at home. HFS Financial. Since most homeowners rely on financing to complete their home improvement project, simply talking to them about the overall price isnt enough. Loans up to $500,000 Everything is detailed for your customer upfront. Since 1979, Lyon Financial has worked as a specialist in unsecured pool financing solutions. You may be able to get a pool loan through the financial institution where you already have existing accounts, or you might choose to get financed from an online lender or financing consultant company that deals exclusively with pool loans and home improvement loans. Loans for non-pool/standalone home improvement projects may incur different rates and terms based on loan purpose. The information you provide for your swimming pool loan will enable HFS to determine the different loan options available to you. Here are some of the other reasons homeowners like working with HFS. HFS was super response to our initial request. Amazing service end to end! *Available on approved credit, not all will qualify. A conditional approval is available within 24 48 business hours. Give them a shout, they are very responsive and the client controls the funds. Explore The Best Of Both Worlds A 25-Mile Journey To Stockbridge Michigan. Before you dig into your pool financing options, you should be clear on what monthly payment you can afford. I had the loan open a month, and this fee was added on top of interest. Use their 60 second loan application to kick off the loan process. Their well-earned reputation is hard to deny! The benefit is that you get a one-stop-shop experience instead of having to reach out to lenders individually. Offering contractor financing sounds complicated, but its dead easy. Heres How to Cope With Financial Stress. I would highly recommend this team when looking for a pool loan. Dear Penny: How Do I Get My Ex-Husbands $10K of Past-Due Alimony? Thank you so much. I will definitely be using them for any future projects and will be referring them to friends. Our motto is: You Dream It, We Finance It.. HFS Financial does not endorse,warrant,or guarantee service or products of any lender or broker and does not guarantee and makes no representations of any rates, points, and loan programs offered by affiliates. Did mine through HFS Financial..unsecure loan at around 7% APR took a total of like 3 weeks. Low, fixed rates, Unsecured Loan I worked with Jason Sidle for my loan. As the industry leader in providing swimming pool & home improvement financing options since 1979, we offer personalized, hassle-free financial solutions tailor-made to your individual needs and qualifications. *Available on approved credit, not all will qualify. BBB is here to help. Exact interest rate determined by credit profile. We use cookies to optimize our website and our service. Subject to credit approval. When we are asked questions about Lyon Financial minimum credit score and Lyon Financial pool loan credit score, we assess creditworthiness on several factors, but theres one thing we NEVER do. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); This site uses Akismet to reduce spam. Explain the benefit of having no surprises when it comes time to pay off the loan. You can get loans from $1,000 to over $200,000 to fund simple above-ground pools or elaborate in-ground pool projects. After getting a quote from you, theyll likely take the price you quoted them to their local bank to find out the terms and monthly payment associated with financing that amount. By offering financing through HFS, you speed up the process and put the power in your customers hands to find out their loan terms quickly. People seem to really like the company and appreciate the service they provide. With HFS Financial, you spend more time thinking about how to improve your home and less time worrying about am I getting a good rate?how is the financing coming along? With HFS, you can rest assured you will be provided with industry leading loan terms and the best customer service experience possible. If you have great credit you can get 6.5% interest on 50K for 10-15 Years and that drops to 6.25% if you do automatic payments.
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