Swimming Pool Financing Options

There are options for financing your pool

Receive a Free Estimate!

If you’ve been dreaming of installing your perfect pool, you probably have envisioned every detail. You may even have given a little thought to the automated systems that you’d like to use to maintain your new pool.

Have you ever fantasized about its prospective price tag? Probably not. In fact, most people don’t, but the cost of installing an in-ground swimming pool is a crucial factor in transforming your dream into a reality.

3 Options to Pay for a Swimming Pool

Very few people can afford to purchase an in-ground swimming pool outright. When planning to build a swimming pool, you’ll want to consider your pool financing options carefully. While the exact details vary depending on your unique financial situation, there are three alternatives.

Home Equity Financing

If you own your home, you may be able to use the equity that you’ve built up to secure a home equity loan, a home equity line of credit or a second mortgage. This type of financing comes at a lower interest rate, but it’s not an option for every homeowner. If you haven’t owned your property for very long, you may not have sufficient equity to qualify.

Unsecured Personal Loans

An unsecured loan is one that does not require any collateral. If you have good credit, this can be an affordable option, but if your credit rating is poor, then you may find it difficult to secure a loan with a reasonable interest rate.

Credit Cards

Credit cards may seem like an easy way to pay, but they are rarely a good option for financing a major purchase like a pool. When compared to the other options, credit cards have high-interest rates. Unless you can pay off the pool quickly, using a credit card to purchase a pool is likely to increase the total amount that you’ll pay substantially.  Make sure to ask before using this option.  Not all pool builders accept full payment for a swimming pool on credit card because of fees.

With swimming pool loans, your credit score matters. Better credit means that you’ll qualify for better terms. Before pursuing a loan, check your credit report to make sure that it’s accurate. If you’d like to give your credit score a bit of a lift, consider paying down your credit card balances to reduce your credit utilization.

Swimming Pool Financing Companies We Trust

Lyon Banner 1536x1536

Since 1979, Lyon Financial has worked as a specialist in pool financing solutions. We offer terms up to 30 years, no consulting fees, no prepayment penalties, and low, fixed rates. Unlike many banks and credit unions, our experience is unique to swimming pools, not just any type of loan. Your call will always be answered by a live, knowledgeable representative, eager to offer solutions. Partner with the industry’s leader to make your backyard dreams come true!


  • Low, fixed rates – no variables
  • Terms up to 30 years
  • Loans up to $200,000
  • No consulting fees
  • No prepayment penalties
  • No equity or appraisals required
  • Special programs military programs, where available
  • Partner with both homeowner and builder until project is complete

HFS Financial, based in Baltimore, MD specializes in assisting homeowners with personal loans for home improvement projects.  Our simple loan inquiry will NOT affect your credit to apply and only takes 1 – minute.  Terms up to 20 years are available and all the money funds 100% DIRECT TO CONSUMER, no stage funding.  Most loans fund in a couple days.  Our knowledgable staff will ensure they answer your questions and provide you with the best service and product possible.

HFS Financial – “You Dream It, We Finance It”

pool financing

Lightstream is a division of SunTrust Bank, and offers fixed-rate installment loans with no prepayment penalties. Securing a loan is fast and easy; qualifying borrowers may be able to have the funds for their new pool in their account as soon as the same day. *


*You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.complete the final verification process.

Viking Capital swimming pool loans are designed to spread the cost of the project over many years, so the monthly payments are affordable. The smiles start here!


The decision to build an inground swimming pool is a big one. It is a big financial investment, but it’s also a huge quality of life investment.


Every team member has the determination and know-how to provide you with a 5-Star worthy experience. You’ll feel like the valued customer you are.

Fill out our Get a Free Quote Form and one of team members
will schedule an appointment with you to make your dreams a reality.