Since 1979, Lyon Financial has helped homeowners across the country explore flexible pool financing options with expert guidance throughout the process.
At Lyon Financial, we know that a pool is so much more than “just a pool.” It’s the backdrop for birthday and graduation parties, a calming respite from the larger world, and a place to make countless memories with family and friends. We make this backyard oasis possible with:
A track record of over $7.5 billion in lending for more than 800,000 homeowners
A network of diverse lending partners offering competitive rates and terms up to 30 years*
Pool financing options that do not require tapping into home equity
If you’re envisioning your family and friends enjoying your backyard pool, an easy application process helps you get there faster:
The review process starts with a soft credit inquiry.
Lyon Financial reviews your application to identify available financing options through participating lending partners
Applicants who are matched with a lender will have their application automatically advanced for further underwriting review, at which point the lender will conduct a hard credit inquiry.
Pool Financing Options
Our financial partners offer a range of loan programs to suit different needs:
Program
How It Works
Homeowners It Serves Best
Stage Funding Program
Lyon Financial coordinates with your financing partner to release funds directly to your builder
Homeowners working with a local contractor
Long-Term Fixed Rate Program
A fixed interest rate is locked for the life of the loan, with repayment terms up to 30 years*
Families who want lower monthly payments
Shorter-Term Loan Option
Fixed-rate financing with a condensed repayment window
Borrowers across the country who prefer a faster payoff
* Available on approved credit. Conditions and limitations apply.
Considerations for U.S. Pool Loans
Pool costs vary significantly based on your location and project scope. Some factors to consider when applying for your loan include:
Base construction costs: Labor rates, material availability and local market conditions affect your starting price.
Site-specific factors: Rocky soil, steep slopes, poor access or high water tables can add excavation and engineering costs.
Local requirements: Permit fees, required safety features and building code compliance vary by municipality.
Climate considerations: Heating systems, covers and weather-resistant equipment add to up-front costs in some regions.
Project scope: Decking, landscaping, outdoor kitchens and other features you might want to add can influence the total amount you’ll finance.
Frequently Asked Questions
Yes. Because our financing partners evaluate applications based on credit history and income rather than home equity, recent homebuyers are eligible to apply.
The loan limit is $200,000*, accommodating projects from straightforward installations to elaborate outdoor living environments.
Conditional approval is fast, usually within the first 24 to 48 hours. Each lender works a little differently in their underwriting and review processes, so the time from matching to close will vary.
Yes, pools can potentially boost home value by 5-8%, especially in communities and climates where pools are standard. Beyond enhanced property appeal, pools also deliver long-term enjoyment and lifestyle benefits for your family.
The process was handled quickly in obtaining our loan. We really appreciated how the payments were dispersed in increments. Some companies take advantage when customers put too much down in the beginning. Thank you for making this a smooth transaction.
– Tracey DeSouza
Lyon Financial was incredible and easy to work with I would highly recommend them to anyone that is in need of financing for a pool or just a home improvement loan.
– Rodney L
We have our loan with Lyon Financial and are very happy with their services as well as their outstanding customer service. They are prompt to answer any questions we’ve had and on top of every signature or paper work needed…
– Flor O
From First Click to First Splash
Find the Perfect Loan for Your Project
Discover the financing options that fit your needs and budget. You are important to us. Need help choosing a loan or have questions? Call us — we’re here to help: 877-754-5966.
Use our loan calculator to quickly and easily estimate your monthly payments for a pool or home improvement loan. Get a clear understanding of your financing options.
*Loan terms, including APR, may vary based on loan purpose, amount, term length, credit profile, and other factors. The lowest advertised rates are available to the most creditworthy applicants and may require specific loan conditions. All loans are subject to credit approval; not all applicants will qualify. Additional terms, conditions, and state restrictions may apply. Rates and terms are subject to change without notice. Availability of rates and terms varies by Lender.
Example payment: An $80,000 loan with a 15-year term at 7.99% APR would result in 180 monthly payments of $764.06. This is an example for illustrative purposes only; actual loan terms and payments may vary.
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