Financing · HFS Financial
Build the backyard now.
Pay for it over time.
True Star partners with HFS Financial so you can do the whole project the right way, once, instead of building it in pieces over several summers. Loans from $3,000 to $450,000, no home equity required, and checking your options won't affect your credit score.
Why Homeowners Finance
Do It Once. Do It Right.
Splitting a project into phases usually costs more: crews mobilize twice, finished work gets torn up to run gas or electrical, and you lose another summer waiting. Financing lets you build the complete plan in one pass.
Room for the whole project
Loans from $3,000 to $450,000, which covers anything from a single patio cover to a complete backyard renovation.
No home equity required
These are personal loans, so your home equity stays untouched.
Fast answers
Prequalify online in minutes with same-day answers, so financing does not hold up your spot on our schedule.
How It Works
From Estimate to Construction in Four Steps
Get your True Star estimate
Start with a complimentary Project Fit Consultation. You leave with a clear scope and a written number, so you know exactly how much to apply for.
Check your options with HFS
Apply online with HFS Financial in a few minutes. HFS says checking your options does not affect your credit score, and most homeowners see answers the same day.
Verify and get funded
Upload a few basic documents to HFS. Once approved, funds go directly to you, typically within 48 hours of approval, so you stay in control of the money.
We schedule your build
With funding in place, we lock in your construction dates and pay schedule under your True Star project agreement. Then we build.
Every True Star Project Qualifies
Common Questions
Financing FAQs
No. Financing is provided by HFS Financial, an independent lender. True Star does not set rates or terms and is not involved in the approval decision. Your loan is between you and HFS.
HFS Financial states that making an inquiry to see your options does not affect your credit score. Completing a full loan application may involve a credit check, and HFS explains the details during the process.
HFS offers loans from $3,000 to $450,000, subject to credit approval. Most homeowners apply for the amount on their True Star estimate.
Once you have your written estimate from us. That way you apply for the right amount and can see your options before you sign. Some homeowners check their options before the consultation to set a budget, which is fine too.
Yes. Patio covers, paver patios, outdoor kitchens, turf, landscaping and complete backyard renovations can all be financed through HFS, subject to their approval.
HFS shows your actual rate and payment options once you check your options on their site. Rates depend on your credit profile and the loan you choose, so we do not quote them here.
Know your number before you sign.
Get your complimentary Project Fit Consultation and written estimate, then check your financing options with HFS. No obligation either way.
Financing is provided by HFS Financial, an independent lender, not by True Star Outdoor Solutions. All loans are subject to credit approval and HFS Financial's terms. True Star does not set loan rates or terms.