Thoughtful Financing for Architectural Outdoor Living
Flexible financing options designed to support custom, site-specific pergola projects—without compromising design, quality, or long-term performance.
- No impact to your credit to inquire
The pergola completely changed how we use our backyard. Luis walked us through every design decision and made sure the structure aligned with our home’s architecture. The attention to detail was obvious from day one. Highly recommend LUME.
We spoke with a few pergola companies, but LUME was the only one that approached the project with a design mindset instead of just trying to sell something. The final result feels intentional and incredibly well built.
Professional, responsive, and very easy to work with. The installation was clean, and the pergola looks like it was part of the original home. We appreciated the clear communication throughout the process.
Low-Fixed Rates
Enjoy market-leading rates and fixed repayments.
Direct-To-Consumer Funded
Take full control over your loan.
Personal Loans
Borrow without affecting your home equity.
Same-Day Qualifications
Prequalify for your loan options in minutes.
Terms Up To 20 Years
Lock in your rate so you can budget with confidence.
No Credit Risk.
Check your rate with no risk to your credit.
How to get a loan...
01
Inquire for a loan
Does NOT affect your credit, get same day answers.
02
Get prequalified
View instant loan options OR speak with a loan consultant.
03
Verify
Securely upload some basic documents for loan verification
04
Get your funds
Loan proceeds available within 48 hours of approval.
Benefits
The Easiest Path to Your Commercial or Residential Pergola.
Direct-to-consumer financing
Our unique financing process ensures that funds are disbursed directly to you, giving you full control over your loan.
No equity required
Have equity in your property? Keep it. Don’t have much equity? No problem. Loans through HFS Financial do not affect the equity in your property.
Fast funding
Our streamlined inquiry process ensures that you get your funds without delay so you can start on your project as soon as possible.
Customer-centric service
By making your financial needs our main focus, we’ll connect you with loans tailored to your budget and timeline, with manageable rates and an easy-to-navigate inquiry process.
Fixed-rate loans
Lock in your ideal rate so you can budget with confidence with a fixed-rate loan.
You dream it, we finance it!
Most asked questions
Still have more questions? Visit our Help & Advice center or contact our team and we’d be more than happy to help.
What states do you cover?
HFS Financial operates and can assist homeowners nationwide in securing loans for their home improvement needs.
What projects can I finance?
HFS Financial can assist homeowners in securing home improvement loans for almost any residential home improvement project.
What types of loans are available through HFS?
On the HFS Financial Home Improvement Loan Platform, homeowners are able to seek personal loans. This means there are no home equity requirements, no need to refinance or mortgage your home, no appraisals and no lengthy loan processes.
What rates and terms do you offer?
Currently, programs have rates as low as 7.99%, fixed with terms from 1 – 20 years and there are no prepayment penalties.