Financing
Your Dream Pool Shouldn’t Have to Wait — Flexible Financing Available
Pacific Pools & Patios partners with leading pool financing specialists to help Inland Empire families build the backyard they deserve.
We know that a custom pool is a significant investment. And we know that the right financing partner can make all the difference between your family enjoying the pool this summer — or putting it off for another year.
That’s why we’ve partnered with two of the most trusted names in pool financing: Lyon Financial and HFS Financial. Together, they offer a range of loan products designed specifically for pool and outdoor living projects — with competitive rates, fast approvals, and terms built for real families.
Our Financing Partners
Lyon Financial
Lyon Financial is one of the nation’s leading pool and outdoor improvement lenders, with more than 20 years of experience helping homeowners finance their dream backyards. They offer:
- Unsecured home improvement loans (no home equity required)
- Loan amounts from $10,000 to $150,000+
- Fixed rates and fixed monthly payments
- Fast decisions — often within 24 hours
- No prepayment penalties
Pacific Pools & Patios is an authorized Lyon Financial dealer.
HFS Financial
HFS Financial specializes in home improvement financing — including pool construction, renovation, and outdoor living projects. Their platform connects homeowners with multiple lenders to find the best available rates and terms for their situation.
- Multiple lender options through one simple application
- Loans available for pool construction, renovation, and equipment
- Competitive rates for qualified borrowers
- Dedicated support team throughout the process
Common Questions About Pool Financing
Do I need home equity to finance a pool?
No. Both Lyon Financial and HFS Financial offer unsecured home improvement loans that don’t require you to tap your home equity or take out a second mortgage. Your home is not used as collateral.
How long does pool financing approval take?
Lyon Financial and HFS Financial typically provide decisions within 24–48 hours of application. Once approved, funds are disbursed directly to Pacific Pools & Patios so construction can begin.
What credit score do I need to qualify for pool financing?
Credit requirements vary by lender and loan product. Both Lyon Financial and HFS Financial work with a range of credit profiles. We recommend applying to find your options — it’s a soft pull that won’t impact your credit score.
How much can I borrow for a pool loan?
Loan amounts typically range from $10,000 to $150,000+ depending on your creditworthiness and the lender. Both of our financing partners can accommodate most custom pool and renovation projects.
Is financing available for pool renovations, not just new builds?
Yes. Financing through Lyon Financial and HFS Financial is available for new pool construction, renovation projects, spa additions, equipment upgrades, and outdoor living improvements.
