Who We Are

XpressHomeImprovementLoans.com assists home owners seeking affordable options to purchase home improvement with an unsecured loan program and matching them with a quality installation contractor in their area.

No matter the shape of your credit profile and credit history, XpressHomeImprovementLoans.com can help you improve your credit rating while also helping you improve your home. Because our underwriters take the time to personally examine each loan application individually, XpressHomeImprovementLoans.com is able to ensure your best chance for loan approval quickly and confidentially. We allow you to apply through our secure on-line automated system, over the telephone or via fax. Whichever method you choose to use, XpressHomeImprovementLoans.com typically responds with a loan decision within 5 minutes.

XpressHomeImprovementLoans.com is a specialty finance company located in Miramar, Florida providing Contractors with financing for their Customers. Xpress Financial operates from one central location providing financing through its dealer network throughout the following States:

Alabama	Alaska	Arizona	Arkansas
California	Colorado	Connecticut	Delaware
Florida	Georgia	Hawaii	Idaho
Illinois	Indiana	Iowa	Kansas
Kentucky	Louisiana	Maine	Maryland
Massachusetts	Michigan	Minnesota	Mississippi
Missouri	Montana	Nebraska	Nevada
New Hampshire	New Jersey	New Mexico	New York
North Carolina	North Dakota	Ohio	Oklahoma
Oregon	Pennsylvania	Rhode Island	South Carolina
South Dakota	Tennessee	Texas	Utah
Vermont	Virginia	Washington	West Virginia
Wisconsin	Wyoming

XpressHomeImprovementLoans.com takes the worry and potential embarrassment out of the loan approval process. With convenient pre-financing options, you can know if you are eligible to receive financing before you schedule a contractor for a quote. We offers an extensive array of loan options with interest rates ranging from 6.99-17.99 and a full range of payment plans to choose from.

XpressHomeImprovementLoans.com offers fixed term loans up to 60 months with 100% No payments for 3 month or 6 month w.a.c., and retail intallment loan of credit with 6, 12 month deferred interest plan, no pre-payment penalties, 0% interest on approved credit with loans from $1,000 to $30,000 are available. We make payments directly to your quality contractor of choice after the installation is complete. Once your signed loan contract is received in our offices, payment can be issued within 24 hours via wire transfer or overnight check to the installing contractor. Since you don’t have to worry about payment to your contractor, you can concentrate on having the best home improvement job completed on your home. Most importantly, XpressHomeImprovementLoans.com offers exceptional customer care. We are always available to answer your questions, help with payment plans and discuss your loan qualifications. XpressHomeImprovementLoans.com offers all of our services in Spanish and English.

Activate a Loan.

Why XpressHomeImprovementLoans.com ?

Our Business Model

XpressHomeImprovementLoans.com business model is different than most financial institutions. We focus primarily on loans for home improvement unsecured for home owner consumers. We underwrite or we outsource to banks that bid on your loan request, in turn that allows you to get approved at the lowest interest rate with a broader credit scores approved. We finance what we know, home improvement of all type. We can offer customers the benefit of our industrial experience and our domain expertise across the industries. Get the purchasing power you need so you can buy what you want today. Put it all on a new account from XpressHomeImprovementLoans.com and get convenient low minimum monthly payments. . *Low Monthly Payments

Fast

• Quick and simple application process
• Instant credit decisions

Affordable

• Low monthly payments*
• Special financing opportunities*
• Conserve money on an unexpected purchase

Secure

• Worry free online application process
• Dependable and safe access 24/7 approval process
  
  

The Power of XpressHomeImprovementLoans.com

Rely on the financial stability of a trusted company. XpressHomeImprovementLoans.com , —can help you finance your dreams and make them reality!
The Offer: 3, 6, or 12 MonthSame-As-Cash No Interest AND 3 or 6 Month Deferred Payment Interest Accruing

1. No money down
2. No payments (there’s a 3 or 6 month payment deferral) interest accruing
3. No interest (if paid in full during the SAC period) no interest loan with payments

Provides More Value

1. Get your home improvement done Today—No hassles finding cash for a down payment
2. 2. No additional expense—Use the bank’s money interest-free (if paid in full
   during the SAC period) & no closing costs or prepayment penalties
3. It’s quick and easy—a paperless, telephone application with a credit
   decision in about 10 minutes
4. A more secure choice—provide your personal information directly to the
   bank & we make sure you are satisfied with the job before we pay the dealer.

“One of the benefits of working with our company for your home improvement air conditioning project is 180-Day or 365 Day Same-As-Cash as a payment option.  Many customers like the no interest and no payment features.”

 

Leadership Team

Scott Walls

CEO
Scott came to Xpress Financial as a consultant in November of 2007 to assess the Collection and Origination system’s policies and practices. He was elected to the Board of Directors in December 2008 and became the Managing Director, the Board Member with day to day managerial responsibility, in January 2008.

Prior to joining the Xpress Financial Team, Scott consulted for several finance industry related firms. In 1992 Scott has extensive experience working in the automotive industry financing. His past experience included positions at Bank of America and Toyota Motor Credit

Christopher Mason

Vice President
Christopher is responsible for managing the day to day collections operations through all stages of delinquency. Responsible for forecasting and meeting targeted delinquency and loss objectives, call strategy development, analyzing performance results and trends, development and training of current and future leaders and staff, maintaining and meeting budget requirements, implementing effective change management to meet collections, customer service and operational expectations.

Christopher has over 10 years of Default Management experience. Prior to joining Xpress Financial in September 2008, Christopher served for the past 10 years with Wachovia Bank in their Consumer Retail Banking Division. During his tenure at Wachovia Bank, Christopher's responsibilities included serving as a Vice President in the Offshoring & Outsourcing Department, Transition Manager and as a Vice President in the Retail Credit Collections Department.

James Townsend

Sr. Vice President
James is responsible for the assessment, development and implementation of all production strategies for Xpress Financials Indirect lending operation. He oversees the day to day functions for field and internal sales, application processing/underwriting and contract funding with focus on building the Xpress Fiancial brand.

James has over 15 years experience in Consumer Finance Lending, management and collections. Prior to joining Xpress Financial in January 2008, James served as Vice President of Operations for Global One Funding. James spent the previous 7 years with Global One in the same capacity in Huntington Beach, CA . Previously James spent 13 years with Santander Bank, one of the largest independent auto lenders as Regional Vice President, Business Center Manager. He managed teams in Sales, Credit, Funding and Collections. James led units at Santander in Buying Center environment. With Santander, James was responsible for all functions related to indirect auto lending.

Linda Brown

Chief Financial Officer
Linda is responsible for all periodic financial reporting, operational accounting activities including customer payment processing and account adjustments, dealer funding and accounts payable, management of financing sources and costs, financial analysis, as well as managing and supporting information requirements for all external audits and regulatory and tax compliance.

Linda has over 17 years of corporate accounting, management, and public accounting experience. Prior to joining Xpress Financial in 2009, Linda most recently served as the Vice President of Finance for a Global Logistics Company, one of the nation's largest public transportation companies. Linda served as a financial executive with that Company for eleven and a half years, extensively as a divisional controller prior to his promotion to Vice President of Finance.

Michael Lyons

Chief Information Officer
As CIO of Xpress Financial, Michael strives to increase efficiency and enhance customer service through technology innovations.

Michael brings years of technology management experience in the subprime auto finance industry to this position. He has worked through various roles in systems, database, and network and project management in his 12 years in the industry. James Lyons in1995 achieved a Bachelor's degree in Electronics Engineering.

Corporate Values

1. Integrity - We adhere to a strong set of moral and ethical principles that allow us to establish valuable, long-term relationships with dealers and customers.
2. Respect - We value the rights and privileges of our customers.
3. Candor - We treat all our customers the same: with respect and complete fairness.
4. Humility - We believe that our relationships are most important, and we strive to provide services that reflect this. At Xpress Financial, the customer comes first.
5. Creativity - We strive to continually create meaningful new services and processes that better serve our customers.
6. Commitment - We have an obligation to provide the highest quality services possible.
7. Under promise / Over deliver - When a promise is made, we will strive to exceed our customer expectations