Pool Financing Options

Make your dream pool a reality with flexible financing options. Low monthly payments, competitive rates, and terms that fit your budget.

Why Finance Your Pool?

A backyard pool is more than a luxury - it is an investment in your home's value, your family's well-being, and years of memories to come. With today's financing options, you can enjoy your pool now while spreading the cost over time.

Many homeowners find that their monthly pool payment is less than what they would spend on family vacations, gym memberships, or entertainment. The difference? Your pool is always there, adding value to your home and providing a private retreat just steps away.

  • Keep cash reserves for emergencies and other investments
  • Enjoy your pool immediately rather than saving for years
  • Fixed monthly payments make budgeting easy
  • Pool adds 5-15% to home value in our market
  • Interest may be tax-deductible (consult your tax advisor)
Family Enjoying Pool

Trusted Financing Partners

We work with industry-leading pool financing specialists who understand the unique needs of pool buyers.

Lyon Financial

Specializing exclusively in pool and backyard financing for over 40 years.

  • Rates from 6.99% APR
  • Terms up to 20 years
  • Loans from $15,000-$250,000
  • No home equity required
  • Fast online application

HFS Financial

Home improvement financing with competitive rates and flexible terms.

  • Rates from 5.99% APR
  • Terms up to 15 years
  • Loans from $5,000-$200,000
  • Quick approval process
  • Multiple lender network

Types of Pool Financing

Multiple financing options let you choose the approach that works best for your situation.

Home Equity Loan

Borrow against your home's equity with fixed rates and predictable payments.

  • Typical APR 5-8%
  • Terms 5-30 years
  • Approval Time 2-4 weeks
  • Best For Lowest rates

Personal Loan

Flexible personal loans from banks and credit unions for smaller projects.

  • Typical APR 8-15%
  • Terms 2-7 years
  • Approval Time Same day
  • Best For Smaller amounts

Sample Monthly Payments

See what your pool investment could look like with affordable monthly payments.

Try Our Interactive Calculator

Customize your pool amount, term, and rate to see your exact monthly payment.

Open Payment Calculator
Pool Investment
$50,000
As low as
$299/mo
15-year term at 7.99% APR
Pool Investment
$70,000
As low as
$419/mo
15-year term at 7.99% APR
Pool Investment
$90,000
As low as
$539/mo
15-year term at 7.99% APR
Pool Investment
$120,000
As low as
$719/mo
15-year term at 7.99% APR

*Sample payments are estimates only and do not include taxes or insurance. Actual rates and payments depend on credit score, loan amount, and term length. Contact our financing partners for personalized quotes.

The Application Process

Getting approved for pool financing is simpler than you might think.

1

Get a Pool Quote

Schedule your free consultation and receive a detailed proposal for your pool project.

2

Apply Online

Complete a quick online application with one of our financing partners. Most take 10-15 minutes.

3

Get Approved

Receive your approval, often within 24-48 hours. Review your rates and terms.

4

Start Building

Sign your contract and we begin your pool installation. Payments start after completion.

Financing FAQ

What credit score do I need to finance a pool?

Most pool financing options require a credit score of 640 or higher for the best rates. However, options are available for scores as low as 580. Higher credit scores typically qualify for better interest rates and terms.

Can I pay off my pool loan early?

Yes, most pool financing options allow early payoff without prepayment penalties. This can save you significant interest over the life of the loan. Check specific loan terms during the application process.

How long does financing approval take?

Many applicants receive a decision within 24-48 hours for unsecured pool loans and personal loans. Home equity loans and HELOCs may take 2-4 weeks due to property appraisal requirements.

Is financing available for pool renovations?

Yes, our financing partners offer loans for both new pool installations and pool renovations. The same terms and options apply to renovation projects over $15,000.

Do I need to put money down?

Most unsecured pool loans do not require a down payment. However, some projects may benefit from a down payment to reduce monthly payments or secure better rates. We can discuss options during your consultation.

Ready to Explore Your Options?

Schedule a free consultation and we will help you understand your financing options and what fits your budget.