Gone are the days of bank approvals and outrageous credit card interest rates. This will help you stand out from the competition and acquire more customers than ever before. If you want to get a pool loan, who should you get it for? Lyon Financial APR (interest rates) As low as 2.99% Maximum loan amount $200,000 Loan terms Up to 25 years HFS Financial Best for Large Pool Loans 4 out of 5 Overall Key Features Provides loans up to $500,000 Most loans are funded within 48 hours No prepayment penalties Get Details Conditions and limitations apply. Dont forget to factor in maintenance and additional utilities usage when estimating how much you can afford to go toward pool costs. The pool companies typically arent offering the loan to you themselves, but theyve partnered with a lender or network of lenders to provide you with financing options. Many customers opt to wait before taking the plunge. Does anyone have any recommendations on pool loan companies with competitive interest rates? Which for 12 years is still lower than any others I can find. Are you ready to get paid on your schedule instead of the banks? Lyon Financial Feb 2021 - Feb 2022 1 year 1 month. The company has been in business for over 20 years and is headquartered in California. Subject to change. The lender can securely transfer the loan funds right to their bank account so they can start their project as soon as possible. We particularly enjoy the quick turn-around times for the loans and the excellent communication we receive. What Are the Benefits of Offering Financing to Every Customer? We love the difference we can make for your family by providing something that puts years of memories within reach. APR, terms, and loan amounts may differ based on loan purpose and credit profile. You may be able to find rates even lower if you have excellent credit. Whether you possess the Lyon Financial minimum credit score or have a higher FICO, you shouldnt have your credit reputation subjected to such a practice. 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. Your APR may differ based on loan purpose, amount, term and your credit profile. The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user. An inquiry you submit to Lyon Financial is for the purpose of obtaining additional information regarding a potential loan provided by a third-party lender under terms & conditions arranged directly between you and such lender, and conditioned upon the completion of all credit documentation. It can be difficult to get approved by Lyon Financial due to the companys strict standards. The technical storage or access that is used exclusively for anonymous statistical purposes. Why should I get home improvement financing? Our team of experts will work with you to help ensure that your experience with us . In the Non-Bank Financial Service category. Make sure they know that with HFS Financial theres no need to worry about checking on financing. Prompt response to any questions we had and navigated the finance to contractor relationship with ease. In just 60 seconds, they can start the process of finding out how much they qualify for. Call us at 877-754-5966 for all the information you want. Lyon Financial is not responsible or liable for any products, services, information or other materials displayed, purchased, or obtained as a result of or in connection with this web site, including, without limitation, any agent referrals, loan recommendations, application, approval, pre-qualification, load or interest rate analysis. Our mission is also to help contractors get paid easier, reach more customers by offering financing, and build their businesses. Many, if not most, of your competitors will not offer financing so just the fact that you do gives you a huge competitive edge. APR, terms, and loan amounts may differ based on loan purpose and credit profile. Yeah, thats within our budget., When your sales team takes advantage of the HFS Check My Rate tool, theyll find easy opportunities to offer upsells to your clients. When a company has such a focused vision, it is easy to cut through the clutter to get the job done. Dear Penny: How Do I Get My Ex-Husbands $10K of Past-Due Alimony? Any new postings here are unlikely to be seen or responded to by other members. They did a great job financing my project quickly and answered all of my questions really fast. How Do I Talk to My Clients About Home Improvement Financing? We believe the best family vacations are the ones spent in your own backyard. If you need decades to pay back the loan, you might consider refinancing your mortgage or taking out a second mortgage. We use cookies to optimize our website and our service. HFS's platform loans are . You must log in or register to reply here. He was a great communicator & the loan process was super smooth. We will be happy to help you. This is a good option if you think you wouldnt get much regular use of having your own pool. Lyons Financial is a highly respected financial institution, and as such, they have high standards for who they approve for loans. Customers who get frustrated with other lending processes are often customers who throw in the towel on the project. Plus, they will enjoy competitive interest rates and fixed payments that fit within their budget. They dont have to worry about waiting for approval before making adjustments in order to complete their dream. If our clients are happy, we are happy to., Man, HFS has always came through for our clients. Thousands of 5-Star Reviews. Click the tabs to the right to learn more about each financing option. The industry leader since 1979, Lyon Financial specializes exclusively in swimming pool financing solutions tailored to your individual needs and qualifications meaning we can help get you the best loans at the lowest rates and longest terms. Lyon 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. 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. Companies can ask for reviews via automatic invitations. Industry Leading Service from your Contractor Success Manager. The whole project funds direct to the customer, up-front. Some companies, however, will accept lower credit scores. never talked with a human. Their rate is low, but they have a $1995 "processing fee" paid to them out of the loan proceeds. Its your money and we believe you should be in control. Lyon Financial is a credit bureau that uses a variety of financial data to help businesses make informed decisions about lending money. By using the HFS Financial widget on your website, its easier than ever for customers to access financing for their home improvement projects. When you apply, we will do a soft credit check to view your credit profile and narrow down your options for securing a loan. BBB Business Profiles may not be reproduced for sales or promotional purposes. Term of 30 years requires a minimum FICO of 780. I really don't want to have to borrow money for a pool, but my wife and I would really like something now instead of next year so I am hoping to have it paid off withing a year. Required fields are marked *. Can I Offer Contractor Financing for ADUs? 850 FICO required, Unsecured Loan Verification can help ensure real people write reviews about real companies. People with poor credit may require a larger loan if they need it. Advertised rates and terms are subject to change without notice. The worlds cultural corporate capitals: where best combines art and business? HFS loan programs do not fund to the contractor, which empowers YOU, the consumer and makes life easier for the contractor when it comes to getting paid. International Association of Better Business Bureaus. Amounts from $50,000 to $200,000 We used to use Lyon Financial, but HFS is far easier to deal with and we love that we are in control of our payment schedule. When you refer your clients to HFS, they wont have to worry about coming up with a down payment or any other funds. A score of at least 680 is frequently required for home equity loans and home equity lines of credit. Oh, that would be about $350/month? I encourage anyone to use HFS to finance their home improvement projects! HFS Financial knows things, Accessory Dwelling Units (ADUs) are add-on living areas like a garage apartment or a tiny home for the backyard. It is always a good idea to speak with your lender to obtain the best interest rate and terms for your specific situation. 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. Not all will qualify. Being able to provide customers with informational material provided by HFS as well as a direct link from our website to complete applications helps set our company apart. Unlike many banks and credit unions, our experience is unique to swimming pools, not just any type of loan. Ideally, we like to see a DTI of 50 percent or less (including the loan amount being requested). We rely on the expertise of TransUnion, but our lenders may use any of the Big Three reporting bureaus: Equifax, Experian, and TransUnion. Everything is detailed for your customer upfront. 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. This type of financing is the same as applying for a personal loan or pool loan. The process was painless and fast. With HFS Financial you can bundle nearly all of your home remodeling projects together in one easy-to-pay financing option. 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. Not sure how much you need? Why To Choose HFS Financial for Your Swimming Pool Loan Contact: Larry Collins 1-800-254-9560 Ext 3 or Apply At: Program is offered to consumers with excellent credit. HFS was super response to our initial request. No. An inquiry is not an application. Privacy Policy and Terms of Service By discussing financing with every client, your sales grow while your clients get the features theyre dreaming about! From your showroom, customers can use our Check My Rate for real-time lowest payment amounts on demand! The information you provide to Lyon Financial is not an application for a loan from Lyon Financial. There are a few complaints filed against the company, but they are mostly related to customer service issues. Labeled Verified, theyre about genuine experiences.Learn more about other kinds of reviews. Reinvent your bathroom, garage, or outdoor living areas with a fast funding home improvement loan. I will definitely be using them for any future projects and will be referring them to friends. To pay for a pool using a personal loan, you will usually need a credit score of at least 600. 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. Adam made sure that all information was expedited and processed all paperwork expeditiously. They are both similar in that they offer competitive rates and terms, and they both have a wide variety of repayment options. Talk with pool builders to get estimates on the total cost of your desired pool project. - All rights reserved. HFS application process was user friendly. ", HFS has great customer service and rates. Signed contract with Lyon financial in 12/2019 unbeknownst to us or never explained that ********** would own the loan. It is common for borrowers with low credit scores to have lower interest rates, though this is not always the case. Lyon Financial and Lightstream are both companies that offer private student loans. Lyon Financial offers financing solutions for swimming pool and home improvement loans nationwide. This includes loans for people with bad credit and loans for people who are self-employed. Pool loans are unsecured personal loans offered by banks, credit unions and online lenders. The swimming pool youve always envisioned can be yours once you complete this pre-application. Please don't hesitate to contact us for financing assistance at (904) 223-4050. Here at National Pools & Spas, we want to ensure that paying for your outdoor water feature is a comfortable experience. One of the benefits of personal loans is that you dont have to offer up any collateral. I also enjoy how responsive your company is with me as well., "HFS Financial has been awesome. You could bring your friends together over the summer by hosting pool parties. Here are a few key features of the LightStream program: Apply at www.SwimmingPool.com/LightStream, Your email address will not be published. Very understandable and easy, seamless application process. One of our exclusive lenders will then receive the application. Home equity loans are essentially when you tap into the equity you have in your home and take out a second mortgage. If you rent out your place on Airbnb or Vrbo, you could fetch top dollar for the additional amenity. You can then use that lump sum to pay for your pool, and youll pay it back throughout the course of your new mortgage over the next 10 to 30 years depending on your loan terms. "We love working with HFS. You are using an out of date browser. There may be different income requirements for different lenders. Theres almost no limit to what customers can finance through contractor financing for their residence. ", HFS is a great company to work with. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); This site uses Akismet to reduce spam. Contact our team members for more information on how we can help you turn today's dreams into tomorrow's memories. HFS Financial HFS has one-of-a-kind loan programs and world-class service as shown by 1,500 + 5-star Reviews. Adam walked us through the process, was extremely responsive and made everything relatively painless for us. However, with HFS Financial, that worry is gone as soon as they visit your website or meet with you in person. Maximum loan amount of $75,000. We are a registered 501(c)3 non-profit that is funded by user donations. That means your monthly payments can increase during your repayment period. Thats right, no car loans, no mortgages, no student loans. When you offer financing through HFS Financial, it comes complete with one incredible perk its completely free to you! Custom Pools - Financing Providers It only takes 60 seconds, and your credit will NOT be pulled. I had a two Home Improvement loans with HFS and they are the BEST. Advertising a personal loan reported to credit report and no liens against the property. Thanks team! It goes against our guidelines to offer incentives for reviews. However, just like with a home equity loan or HELOC, your home is being used as collateral, and youll face additional fees involved in the refinancing process. 2023 Trustpilot, Inc. All rights reserved. National Contractor Success Manager at HFS Financial Dallas-Fort Worth Metroplex. Most credit cards only offer zero-interest periods for the first 12 to 21 months. People who write reviews have ownership to edit or delete them at any time, and theyll be displayed as long as an account is active. For a better experience, please enable JavaScript in your browser before proceeding. Our automated updates and contractor support representatives keep you informed when a customer applies, and well also let you know if theyre approved or denied. They are very fast to process new applications and respond promptly to all questions and emails. HFS Financial specialize in helping homeowners with loans to finance a new swimming pool, outdoor kitchen . The only complaint I could find was that someone felt like they were being pushed into a higher loan rate than they were comfortable with. With affordable payment plans and fast approvals, HFS Financial makes it easy to begin your dream home remodeling project today. Because you dont have any collateral backing the loan, however, these financing options can come with higher interest rates. Advertised rates and terms are subject to change without notice. It all depends on your individual circumstances and preferences. Exact interest rate determined by credit profile. Customer Reviews for HFS Financial Services, LLC - Better Business Bureau Swimming pool cooling can help you escape Georgia heat, exercise, spend time with the family, and even increase the value of your home. I will definitely keep using them in the future. The company acts in the capacity of a financial consultant, and partners with a network of lenders to provide multiple loan offers for pool construction projects. 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. Swimming Pool Financing from Lyon Financial | Lyon Financial I'll never come back there and I don't recommend. To set up your HFS widget, you first need to download it directly from our website. The process is so simple and straightforward. The interest rate on these loans is higher than on other types of loans. Financing with HFS Financial is easy and convenient for customers, which means your customers will come back to you time and again. Since most homeowners rely on financing to complete their home improvement project, simply talking to them about the overall price isnt enough. Richard and Joe were fantastic. Conditions and limitations apply. HFS Financial. What credit bureau does Lyon Financial use? We greatly appreciate the opportunity to earn your business! Lyon Financial - Swimming Pool Financing Specialists Since 1979 You can get loans from $1,000 to over $200,000 to fund simple above-ground pools or elaborate in-ground pool projects. What Credit Score Does Lyon Financial Use - tourisme83.com Thanks again., We have been working with HFS Financial for a few years now with our clients. Payment example: Monthly payments for a $50,000 loan at 6.49% APR with a term of 30 years would result in 360 monthly payments of $315.71. Financing Your Swimming Pool - Parker's Pools Advertised rates and terms are subject to change without notice. I had the loan open a month, and this fee was added on top of interest. We are your one-stop-shop for any kind of home improvement loan: swimming pools, metal roofs, hardwood flooring, kitchen and bath remodels, basement finishing, outdoor kitchens, and more. HFS will check your credit report and income when you apply for a loan. Plus, there are no hidden fees like origination or closing costs, which can come as a surprise with some other lenders. In less time than any other home improvement loan process, well have you connected with the project financing you need. Outstanding customer service and even better terms for our customers, My experience with HFS has been amazing! We can extend for additional time as needed to complete the pool project, as long as no major changes to credit have been made. I worked with Jason Sidle for my loan. What they really need to know is, How much is the monthly payment, and does it fit into my budget?. We got a loan from a local bank for 5.5%. Financing with HFS Financial | Tim White Home Remodeling It is our recommendation that you use a single credit bureau in order to obtain an accurate picture of your credit status. Readily available to answer any question or concerns. If your credit score is less than 600 or you do not yet have a credit history, you can still hold out hope. The loan options are based on your income and creditworthiness. Conditions and limitations apply. Why let the lender fund the contractor directly and have no control? 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. Terms, amounts, and APR may differ based on loan purpose and credit profile. Also, with home equity loans youll face additional fees, like a home appraisal cost and closing costs, so be sure to factor that into your decision making. With your handy web widget from HFS Financial, youll be the one-stop shop for your customers. Highly recommend. . The technical storage or access that is used exclusively for anonymous statistical purposes. Swimming Pool Financing & Pool Loans | Lyon Financial However, if you have good credit and meet all of the requirements, you should have no problem getting approved. Here at HFS, we dont only exist to help homeowners find financing to bring their dreams to life. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you. 15 Year Term I have since used them directly for car loans etc great bank. I have used HFS twice for home improvement loans and so far they have met my expectations. The builder is paid in stages, according to the progress of the project. There are a few key differences between Lyon Financial and HFS Financial. . Lyon Financial is located at 118 Morlake Drive Suite 202, Mooresville, NC 28117. Copyright. Its estimated that about 75% of customers need a loan to achieve their home improvement dreams. Our program is designed to meet the unique needs of military personnel and their families. As a nationwide provider of swimming pool and home improvement loans, were able to access a wide array of financial programs. Financial Independence, Retire Early: What Is the FIRE Movement? By discussing these topics with your clients, you can ensure that they understand all aspects of contractor financing. 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. Subject to change. If my customers use the widget, how do I know if my customer is approved for their loan? Auto Pool Cover--looking for opinions/options, With over 300,000 members, TFP is the largest and most influential pool & spa website on the Internet. You could also check local credit unions for better rates. I highly reccomend HFS Financial! With a selection of industry-leading loan terms available, customers can find financing plans that fit their budgets perfectly. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. You can easily incorporate contractor financing into your sales process without any hassle or additional work on your end. At Lyon Financial, we love the difference we can make for your family by providing something that puts years of memories within reach. Home Improvement Lending Made Simple, offering 100% No Monday Down Financing from $10,000-$100,000, equity not required.
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