Loans & Financing Options
A new swimming pool, hot tub, or sauna is closer than you think.
Smart financing options let you enjoy today while paying over time.
Financing Options
A backyard pool can transform your home into a private resort, creating a space for unforgettable family memories and decades of enjoyment. While installing a pool is a significant investment, flexible financing options can make ownership more attainable. By financing your pool, you can bring your backyard vision to life without the upfront financial burden. Explore pool financing options available through our trusted lenders.
Lyon Financial — Pool-Specific Financing Company
What it is:
Lyon Financial specializes in pool and backyard project loans and is widely used by pool builders.
Key features:
Loans available up to $200,000.
Long repayment terms, up to 30 years*.
No prepayment penalties or consulting fees.
Unsecured loans: No collateral or home equity required.
Who it Suits:
Customers who want longer loan terms and lower monthly payments.
People who prefer a financing company that understands pool construction and works with their builder.
Borrowers who want to finance the full project cost, including extras like landscaping or patios.
*Depending on the program and credit profile.
Lyon Financial APPLY NOW
LightStream — Direct Online Lender
What it is:
A national online consumer lender that issues unsecured personal loans directly to borrowers.
Key features:
Unsecured loans: No collateral or home equity required.
No fees or prepayment penalties.
Competitive fixed rates & flexible terms (can be up to 12 years for pool/home improvement).
Fast, online process with potential same-day funding for approved applicants.
Who it suits:
People who want a personal loan directly from a bank/lender with a transparent rate structure, no hidden fees, and the ability to fund into their own bank account. It’s more like a traditional personal loan process than a brokered financing product.
LightStream Financing APPLY NOW
HFS Financial — Pool & Home Improvement Loan Provider/Broker
What it is:
A financing company that provides personal swimming pool, hot tub, or sauna loans by working with lenders and presenting loan options to consumers.
Key features:
Unsecured personal loans (no home equity needed).
Loan amounts up to $300,000+ and terms up to 20 years.
Soft credit check to show loan options without impacting credit score initially.
May present multiple loan options and help with the application process.
Who it suits:
Homeowners who want personal loan financing for swimming pool, hot tub, or sauna without using home equity, with the convenience of having HFS assist in finding or packaging the loan.
HFS Financing APPLY NOW
Before You Choose a Financing Option
Making an informed financing decision can help ensure your project stays on budget and stress-free. Before selecting a financing partner, we recommend the following steps:
Define your total project cost and request a detailed quote from our Sales Team.
Compare interest rates (APRs), fees, and payment terms across all financing options to understand the true cost of each loan.
Confirm whether any broker or origination fees apply, as these can impact your overall financing cost.
Ask how funds are distributed — whether they are sent directly to you or paid to your contractor/builder — as this may affect project scheduling and payments.
Carefully review all fine print, including prepayment penalties, collateral requirements, and any deferred interest terms.
Taking the time to review these details will help you choose the financing option that best fits your budget and long-term goals.
Wells Fargo Outdoor Solutions® Credit Card*
Special Financing options for qualified purchases on Hot Tubs, Saunas, and Above Ground Pools.
*The Wells Fargo Outdoor Solutions® credit card is issued with approved credit by Wells Fargo Bank, N.A.
