HFC/Beneficial - mortgage refinance loans, home equity loans & personal loans

What they say:

"HFC and Beneficial are committed to offering a wide range of loan options. For over 125 years we've been helping people find real solutions to their financial needs. Our short loan form can assist you in applying for a mortgage refinance loan, home equity loan, or personal loan.

HFC and Beneficial are sub-prime lenders who offer loans to those that may have less than perfect credit. Our average customer is between the ages of 35-44 and has a FICO score of 640.

HFC and Beneficial are subsidiaries of HSBC - North America, one of the largest banking and financial services organizations in the world. We have the experience and resources to offer loans that help customers reach their financial goals and realize their dreams.

HFC loans not available in Alaska, Arkansas, Hawaii, Maine, Mississippi, North Dakota, South Dakota, Vermont, West Virginia, Wyoming, and Washington DC.

Beneficial loans are not available in Alaska, Arkansas, Mississippi, North Dakota, Vermont, and Washington DC."