HFC offers the consumer sales loan which is especially useful to the consumer wanting to purchase a tangible item or service such as an appliance, mower, furniture, wheels and tires and more. This loan may also be used to purchase needed services such as roof repair, auto repair, home improvement services and others. This loan is offered at a rate less than a personal loan or an auto loan to well-qualified consumers. Sales accounts provide a means for financing planned purchases over a fixed period of time.