SUNDEK of Charlotte · Homeowner Financing

Finance Your ProjectWith HFS Financial

Start your SUNDEK of Charlotte pool deck, patio, driveway or garage floor now and pay for it monthly. Fixed rates, terms up to 30 years, no home equity required, and inquiring won't impact your credit score.

Call (704) 313-1940
$450,000Max Loan Amount
100,000+Homeowners Funded
20,000+Partner Contractors
3,500+Five-Star Reviews

Home Improvement Financing

Start The Project Now, Pay For It Over Time

HFS Financial works with a network of lenders that fund homeowners directly. No lien on your home, no appraisal, and no waiting on a bank's remodel department.

Low Fixed Rates

Market-leading rates with a fixed repayment, so the number on your statement in year six is the same one you saw in month one.

Funded Direct To You

Proceeds go to you, not to the contractor. You stay in control of your project and pay us the same way you would with any other quote.

No Equity Required

These are personal loans. Your project doesn't depend on how much equity you have built or what your home appraises for this month.

Same-Day Qualification

Prequalify in minutes and view your loan options, or talk it through with a loan consultant if you would rather have someone walk you across it.

Terms Up To 30 Years

Choose a term that lands on a payment your household is comfortable with. There are no prepayment penalties if you decide to clear it early.

No Credit Impact To Inquire

Checking your options is a soft inquiry. You can see exactly where you stand before committing to anything, including committing to us.

The Details

Financing At A Glance

Everything the program covers, in one place.

Loan Amounts
$5,000 – $450,000
Loan Type
Personal Loan
Maximum Term
30 Years
Rate Type
Fixed
Collateral
None
Home Equity
Not Required
Prepayment Penalty
None
Credit Impact
None To Inquire
Prequalification
Minutes
Time To Funding
48 Hours
Paid To
The Homeowner
Coverage
Nationwide

Your rate and monthly payment depend on your credit profile, loan amount and term. Check yours in a few minutes without affecting your credit.

Eligible Work

Finance Any SUNDEK Project

Every service we offer qualifies. Materials, surface prep, coating and sealing all roll into a single loan, whether it's one garage floor or a full outdoor living transformation.

Not sure which system fits your surface? Call (704) 313-1940 and we'll walk the project with you first.

SUNDEK of Charlotte pool deck project

Our Financing Partner

Why We Chose HFS Financial

We wanted a financing option that puts the homeowner in charge rather than tying your project to a lender we control. HFS Financial is a home improvement loan platform used by more than 20,000 contractors nationwide, and every dollar goes straight to you.

Homeowner Controlled

The loan is yours, the funds are yours, and the schedule is yours.

No Lien On Your Home

Personal loans mean no appraisal and no claim against your property.

Fast Answers

Same-day answers for most homeowners, funds within 48 hours of approval.

Zero Risk To Inquire

Checking your options is a soft pull and is not a loan application.

Start To Funded

How To Get A Loan

1

Inquire For A Loan

Does not affect your credit. Most homeowners have an answer the same day.

2

Get Prequalified

View your loan options instantly, or speak with a loan consultant.

3

Verify

Securely upload a few basic documents for loan verification.

4

Get Your Funds

Loan proceeds are available within 48 hours of approval.

Before You Inquire

Most Asked Questions

Will checking my rate hurt my credit?
No. Submitting an inquiry to HFS Financial is not a loan application and does not affect your credit score. A hard inquiry only happens later, if you choose to move forward with a lender.
Do I need equity in my home?
No. These are unsecured personal loans, so there is no appraisal, no lien on your property and no equity requirement. You can fund the project without touching your home's equity.
What SUNDEK work can I finance?
All of it. Every residential service we offer qualifies, from a single garage floor to a full pool deck resurface with fencing. Materials, surface prep, coating and sealing all roll into the loan.
What rates and terms are available?
Fixed rates with terms up to 30 years and no prepayment penalties. Your exact rate depends on your credit profile, the loan amount and the lender's program, so the only way to see a real number is to check. It takes a few minutes and will not affect your credit.
Who receives the money?
You do. HFS loans are funded direct to the homeowner rather than to the contractor, so you control the funds and pay SUNDEK of Charlotte the same way you would if you were paying out of pocket.
How fast do I get the funds?
Prequalification takes minutes and loan proceeds are typically available within 48 hours of approval, which is usually faster than we can get you on the schedule.
Who is HFS Financial, and are they the lender?
HFS Financial is a home improvement loan platform, not a lender. They match your inquiry with unaffiliated third-party lenders and help you compare your options. Your loan agreement is with the lender you choose. HFS can be reached at 800-254-9560 or info@hfsfin.com, Monday to Friday 9am to 7pm EST, with inquiries accepted 24/7.

Ready When You Are

Check Your Rate Before You See Our Quote

Find out what your SUNDEK project looks like as a monthly payment, then request a free quote and start transforming your outdoor space. It takes a few minutes, and inquiring won't impact your credit score.

Check My Rate Call (704) 313-1940

Financing is provided through HFS Financial. NMLS and MD CSB # 1680766. HFS Financial is not a lender, and the information you provide to HFS Financial is not an application for a loan from HFS Financial. Loans are offered by unaffiliated third-party lenders, and products, rates and terms vary based on each lender's programs and requirements. Restrictions apply and services are not available in every state or for every project type. Not all applicants will qualify.

The loan amount slider on this page is a budgeting tool only. It does not calculate, quote or represent any rate, payment, term or offer of credit, and moving it does not submit an application. SUNDEK of Charlotte is not a lender or a broker and does not make credit decisions.

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