How does HFS Financial financing work for home improvement projects?

HFS Financial connects homeowners with personal loans for home improvement projects. You inquire online in minutes with no impact to your credit score. If you prequalify, you can view loan options instantly or speak with a loan consultant. Once you choose a loan, you securely upload some basic documents for verification, and funds are typically available within 48 hours of approval.

What credit score do I need to qualify?

HFS Financial works with multiple lending partners and considers a range of credit profiles. The initial inquiry is a soft pull with no impact to your credit score, so there is no risk in checking your options. You will see what you qualify for before committing to anything.

Does inquiring affect my credit score?

No. The initial inquiry is a soft credit check that has zero impact on your credit score. A hard inquiry only occurs if you decide to formally accept and proceed with a loan offer.

What are the interest rates and loan terms?

HFS Financial offers fixed rates as low as 7.8% with terms from 1 to 20 years. Loan amounts go up to $300,000. There are no prepayment penalties, so you can pay off your loan early at any time without additional fees.

Do I need home equity to qualify?

No. Loans through HFS Financial are personal loans, which means there are no home equity requirements, no need to refinance or mortgage your home, no appraisals, and no lengthy loan processes.

Can I finance any type of project?

Yes. HFS Financial can help finance almost any residential home improvement project. That includes interior and exterior painting, kitchen and bathroom remodeling, basement finishing, flooring, siding, roofing, decks, and more.

How much does Elite Finishes require upfront?

For projects paid in full or by card, we never ask for more than 50% upfront. The balance is due at completion. With HFS financing, the lender funds you directly, so you have full control over how and when you pay us. We discuss payment structure during your free estimate.

Is there a penalty for paying off the loan early?

No. HFS Financial loans have no prepayment penalties. You can pay off your balance early at any time without additional fees.

How quickly can I get funded?

HFS Financial offers same-day prequalifications. Once you accept a loan offer and complete verification, funds are typically available within 48 hours of approval.

What states does HFS Financial cover?

HFS Financial operates nationwide and can assist homeowners in all 50 states with securing loans for home improvement projects.

120% Financing Available

Finance Your Home Project With Flexible Payments

Do not let budget hold you back from the home you deserve. Through our partnership with HFS Financial, you can get prequalified in minutes with no impact to your credit score — personal loans up to $300,000 with fixed rates and terms up to 20 years.

Check Your Rate Get a Free Estimate First

Licensed: MHIC 153498

Serving Baltimore, MD

Fast Free Estimates

5-Star Craftsmanship

How It Works

Elite Finishes partners with HFS Financial to offer simple, transparent financing for painting and remodeling projects in the Baltimore area.

Inquire for a Loan

Fill out a quick form — it does NOT affect your credit. Get same-day answers on your options.

Get Prequalified

View instant loan options or speak with an HFS loan consultant to find the best fit.

Verify

Securely upload some basic documents for loan verification. Quick and straightforward.

Get Your Funds

Loan proceeds available within 48 hours of approval. Funds go directly to you.

Why Homeowners Choose HFS Financial

Over 100,000 contractors and 20,000+ homeowners trust HFS Financial for home improvement financing.

No Credit Impact to Inquire

Checking your rate is a soft pull — zero risk to your credit score.

Terms Up to 20 Years

Lock in a fixed rate with a repayment timeline that fits your budget.

Same-Day Qualifications

Get prequalified for your loan options in minutes, not days.

Personal Loans

No home equity required. Your property stays untouched as collateral.

Direct-to-Consumer Funded

Loan proceeds go directly to you, giving you full control over your project funds.

Low Fixed Rates

Rates as low as 7.8% fixed with no prepayment penalties.

Apply Now — No Credit Impact

Use the calculator below to estimate your monthly payment, or click “Inquire Now” to check your rate with no impact to your credit score.

Secure and encrypted No hard credit pull Same-day qualifications

All Payment Options

Financing is not the only way to pay. Here is every option we accept.

RECOMMENDED

HFS Financial

Personal home improvement loans up to $300,000. Fixed rates as low as 7.8%, terms from 1 to 20 years. No home equity required, no appraisals, and no prepayment penalties. Funds available within 48 hours of approval.

Major Credit Cards

Visa, Mastercard, American Express, and Discover accepted on every project. No processing fees.

Check and ACH Transfer

Traditional payment methods welcomed. No fees on checks or bank transfers.

Milestone-Based Payments

For larger projects, we break payments into milestones tied to project progress. You never pay for work that is not done. We do not ask for more than 50% upfront.

What Do Projects Typically Cost?

Every project is unique. These ranges give you a starting point. Your free estimate will be specific to your property and goals.

Interior Painting (single room)

Room size, ceiling height, and surface condition

$600 to $2,000+

Interior Painting (whole home)

Square footage, number of rooms, and trim work

$3,500 to $12,000+

Exterior Painting

Home size, stories, siding type, and prep required

$2,500 to $8,000+

Kitchen Remodeling

Cabinet painting vs. replacement, countertops, and scope

$8,000 to $50,000+

Bathroom Remodeling

Tile work, vanity, fixtures, and layout changes

$6,000 to $35,000+

Basement Remodeling

Square footage, bathroom addition, and finish quality

$15,000 to $45,000+

Flooring Installation

Material type, square footage, and subfloor condition

$2,000 to $15,000+

Decks

Size, material (wood vs. composite), and features

$10,000 to $28,000+

Siding Replacement

Home size, material type, and removal scope

$8,000 to $35,000+

Roofing

Roof size, pitch, material, and decking repairs

$8,000 to $16,000+

Prices are general ranges based on typical projects in the Baltimore area. Your estimate will reflect your specific scope, materials, and site conditions.

Our Pricing Promise

We give you one price. That is the price you pay. No change orders for work we should have accounted for upfront, no surprise fees at the end of a job.

Written estimate before any work begins
Price holds once you approve — no mid-project increases
Change orders only for work you specifically add or change
Payment milestones tied to actual progress on the job
We never ask for more than 50% upfront
Licensed MHIC 153498 — backed by Maryland's consumer protection fund

Not Sure What Your Project Will Cost?

Get a free on-site estimate first. We will come to your property, assess the project, and give you a clear written price. Then you can decide how to pay — including financing through HFS Financial.

Request a Free Estimate Call 443-825-0206

Estimates are always free. We respond within one business day.

Financing FAQs

Common questions about paying for painting and remodeling projects in the Baltimore area.

Ready to Get Started?

Check your rate in minutes with no credit impact, or request a free estimate to find out exactly what your project will cost.

Check Your Rate Get a Free Estimate

Elite Finishes is a licensed painting and remodeling contractor (MHIC 153498) serving 28 communities across the Baltimore area. Financing provided by HFS Financial, a third-party lender. Loan terms and rates subject to credit approval.