A remodel is a meaningful investment. Varenza works with two trusted financing partners — Acorn Finance and HFS Financial — so qualified homeowners can compare flexible options and estimate a monthly payment in minutes, with no impact to your credit score.
Varenza partners with two trusted lenders so you can compare and choose with confidence. Both let you check your options online in minutes — with no impact to your credit score.
A lending marketplace
Check pre-qualified offers from a network of lending partners in one simple, secure place — then choose the one that fits your budget.
Checking your options won’t affect your credit score.
Home improvement loans
Direct-to-consumer home improvement loans with industry-leading terms — funds go straight to your account, with no equity or appraisal required.
Checking your options won’t affect your credit score.
Financing can help you move forward with your remodeling project while keeping your budget more flexible. Instead of paying the full project cost upfront, qualified homeowners can review loan options and choose the offer that best fits their needs.
Checking for pre-qualified offers uses a soft credit pull and does not impact your credit score.
Between our two partners, qualified homeowners can access financing for projects of almost any size.
Flexible repayment terms help spread project costs into comfortable monthly payments.
The process is completed online, and approved applicants may receive funding as soon as 24 hours.
Talk with the Varenza team about your remodeling goals, project scope, and next steps.
Choose a financing partner and review your pre-qualified options online — it only takes a minute.
If you are pre-qualified, select the offer that fits and apply for final approval directly with the lender.
Once approved, funds may be available quickly and can be used toward your remodeling costs.
A quick look at what each partner offers, so you can see which one fits your project best.
| Feature | Acorn Finance | HFS Financial |
|---|---|---|
| Loan amounts | $1,000 – $100,000 | $1,000 – $450,000 |
| Repayment terms | 2 – 20 years | Up to 30 years |
| How it works | Marketplace — compare offers from a network of lenders | Direct-to-consumer — funds sent to your account |
| Extra funding | — | Up to 120% of project cost |
| Credit check | Soft pull — no impact | Soft pull — no impact |
| Funding speed | As soon as 24 hours | Loan terms within 24 hours |
| Great for | Comparing several offers quickly | Larger projects & higher amounts |
Tell us about your project and we’ll help you weigh both partners — no pressure, no obligation. Or check your options directly with either partner below.
Applications run over encrypted connections, and both partners are backed by recognized accreditations — so your details stay private from the first step to the last.
The details homeowners ask about most before they pre-qualify. Have another question? We’re always happy to talk it through.
Varenza works with two trusted partners: Acorn Finance, an online lending marketplace that lets you compare offers from a network of lenders, and HFS Financial, a direct-to-consumer home improvement lender. You can check your options with either — or both — with no impact to your credit score.
It depends on your project. Acorn Finance is great for quickly comparing several offers, while HFS Financial specializes in home improvement loans with higher amounts (up to $450,000), longer terms, and the ability to fund up to 120% of your project cost. If you’re not sure, we’re happy to help you weigh both.
No. Both Acorn Finance and HFS Financial use a soft credit inquiry to show your pre-qualified options, which does not impact your credit score. A hard inquiry only happens later if you choose to move forward with a specific lender for final approval.
Through Acorn Finance, qualified applicants may review options from $1,000 to $100,000. Through HFS Financial, loan amounts range from $1,000 to $450,000 — and you may be able to finance up to 120% of your total project cost. Final amounts depend on the lender, your credit profile, and approval.
HFS Financial lets qualified borrowers fund up to 120% of their total project cost. For example, on a $100,000 project you could access up to $120,000 — the extra funds can cover changes or upgrades you decide on during construction.
Terms vary by partner and applicant. Acorn Finance offers terms from 2 to 20 years, while HFS Financial offers terms up to 30 years, with no prepayment penalties.
Funds may be used toward home improvement expenses, including remodeling projects such as kitchens, bathrooms, whole-home renovations, interior remodeling, custom cabinetry, aging-in-place updates, and home additions.
Pre-qualifying online takes just a few minutes. With HFS Financial, conditionally approved applicants typically receive loan terms within 24 hours, and funds are sent directly to your checking account after final approval. Acorn Finance can also provide funding as soon as one business day, though times vary by lender.
Neither partner’s lending network charges prepayment penalties. Some offers may have no fees, while certain loans may include an origination fee — which is always shown in your offer details before you accept.
No. Both options are personal loans, so no home equity is required. HFS Financial loans also require no appraisal and no money down.
Financing is provided by third-party lending partners through Acorn Finance and HFS Financial and is subject to credit review and approval. Varenza LLC is not a lender and does not determine approvals, rates, loan amounts, monthly payments, or financing terms. HFS Financial is not a lender or a broker, and the information you provide is not an application for a loan. Checking pre-qualified offers may use a soft credit pull that does not impact your credit score. If you choose to move forward with an offer, the lender may conduct a hard credit pull, which could impact your credit score. Rates, terms, and funding times vary by lender and applicant, and not all applicants will qualify.
Start with a relaxed, no-pressure conversation. We’ll help you scope the project and, if it’s helpful, point you to the right financing option for your budget.
