Below you’ll find answers to some of the most commonly asked questions pertaining to Lyon Financial and the services we offer. However, if you still don’t see what you’re looking for or require further information, contact us directly at 877-754-5966 and one of our friendly and experienced specialists will be happy to assist you.

A: Lyon Financial is a respected financing consultant, in business since 1979. Through our exclusive lenders, we offer financing solutions for swimming pool and home improvement projects nationwide. Once your application is received, it is reviewed individually by a member of our loan team, who will work to pair you with the program that best matches your needs and qualifications. We also stay involved with you and your pool contractor throughout the project, and pay your contractor directly in stages as work progresses. Unlike banks, credit unions, and online lenders, our experience is unique to pools, not just any type of loan. We offer long-term loans with low rates, catered for home improvements. Our loan options are unsecured, meaning there are no appraisals or equity required.
A: We work across the 48 contiguous states of the United States.
A: We offer lending solutions for your swimming pool and/or home improvement project and will match your request with a program that fits your budget.
A: We assist with financing for many home improvement projects, including new swimming pool construction, swimming pool renovation, spas, landscaping, outdoor living, and residential home remodeling.
A: Yes, the applicant must be listed as the owner of record on the deed to the property where the pool is to be constructed.
A: Rates range from 4.99% APR* to 16.99% APR§, and are dependent entirely on the individual applicant's credit profile. The lowest rates are reserved for those with excellent and substantial credit. We offer terms of 12, 15, 20, and 25 years. If you would like a shorter loan term, you can always pay your loan off early with no prepayment penalties.
A: There are no prepayment penalties so you can pay the loan off early and not be charged any additional interest.
A: Your monthly loan payment amount is dependent on many factors, including your loan amount, term, and credit profile. Our Pool Loan Calculator is a great resource for exploring potential monthly payments, and can be accessed by clicking "Loan Calculator," located in the black bar, towards the top center of the page.
A: We look at your overall credit health, including your credit score and debt-to-income (DTI) ratio. Ideally, we like to see a DTI of 50 percent or less (including the amount of the loan you're requesting). We also look for any recent negative marks, such as bankruptcies or tax liens. We are able to offer financing solutions for most applicants with a credit score of 620 and above. There is a minimum credit score of 620 required; however, it is not entirely credit score driven. The underwriter will review your entire credit profile, past payment performance, and experience with large secured and unsecured loans. All loan decisions are at the discretion of our lending partners.
A: We rely on the expertise of TransUnion, but our lenders may use any of the “Big Three” reporting bureaus: Equifax, Experian, and TransUnion.
A: Applications are accepted online only. You cannot apply via phone. To begin the application, click "Qualify Now!," located in the black bar, towards the top right of the page.
A: Thank you for applying! Once we receive your application, we can typically have a conditional approval for you in 2-3 business days. A member of our loan team will personally review your application, ensuring you are paired with the best program for your needs and qualifications. We then reach out directly to you and go over the details and next steps in the loan process. Of course, our friendly and knowledgeable specialists are always just a quick phone call away to provide updates or answers to any questions you may have.
A: We can work with most pool builders. You can either select from a contractor we've worked with in the past, or bring a contractor of your own.
A: Most fundings involve paying the pool builder directly in stages, according to the progress of the project. This ensures that the contractor is receiving the appropriate payments in the appropriate increments. In most cases, before each stage’s payment is released, we ask that you complete a brief electronic form to verify that the scope of work for that stage has been completed.
A: No, all of our services are absolutely free to builders.
A: No, we do not currently finance any owner-builds at this time.

Pool Financing is our specialty. Making backyard dreams come true is our passion.