Financing
Pool financing through Lyon Financial, HFS Financial and Viking Capital
Pool Pros doesn't lend money. Two independent lenders do, and a third partner shops them for you. Compare all three below, then apply directly with whichever fits your build.
How can you finance a pool with Pool Pros?
Through three independent partners, not through Pool Pros directly. Lyon Financial and HFS Financial lend; Viking Capital acts as a consultant and pairs you with options. Between them, published terms include loans up to $250,000, terms up to 30 years, no home equity or appraisal required for most loans, and a soft credit check that won't hurt your credit.
Financing is provided by these third-party lenders, not by Pool Pros, and every term is subject to their approval and their own qualification requirements.
How do Lyon Financial, HFS Financial and Viking Capital compare?
| Feature | Lyon Financial | HFS Financial | Viking Capital |
|---|---|---|---|
| What they are | Direct lender | Direct lender | Consultant — shops multiple lenders on your behalf |
| In their words | A national leader in pool and home improvement financing. | Home improvement financing with a fast, streamlined approval process. | Acts in the capacity of consultant, working with contractors nationwide to help pair pool buyers with the best swimming pool financing options available. |
| Loan size | Loans up to $250,000 | Not stated | Not stated |
| Terms | Terms up to 30 years (on qualifying programs) | Terms up to 30 years | Not stated |
| Rates | Low, fixed rates | Not stated | Not stated |
| Credit check | FREE loan consultation with no impact to your credit | No impact on your credit score to check your rate | A soft credit check, which won't hurt your credit |
| Secured? | No home equity or appraisal required for most loans | Unsecured financing available | Not stated |
| Speed | Not stated | Fast online pre-qualification | Fast loan process, with high approval rates across a wide range of credit profiles |
| Special programs | Special military financing programs available | Not stated | Not stated |
| Apply | Apply with Lyon Financial | Apply with HFS Financial | Apply with Viking Capital |
Which one should you choose?
Viking Capital is the one to start with if you would rather not pick: they act as a consultant and shop options for you, on a soft credit check that won't hurt your credit. Go straight to Lyon Financial if you need a larger loan — they publish up to $250,000 — or if you or a family member qualifies for their military programs. Go straight to HFS Financial if the fastest online pre-qualification matters most. Either way you apply with them directly, not with Pool Pros.
Pool financing FAQ
Do I need home equity to finance a pool?
No. Lyon Financial doesn't require home equity or an appraisal for most loans, and HFS Financial offers unsecured financing. Viking Capital doesn't publish its security requirements — ask them.
Will checking my rate hurt my credit?
No, with any of the three. Lyon Financial offers a free loan consultation with no impact to your credit, HFS Financial says checking your rate has no impact on your credit score, and Viking Capital uses a soft credit check that won't hurt your credit.
How long are pool loan terms?
Up to 30 years with either lender that publishes a term: Lyon Financial states up to 30 years on qualifying programs, and HFS Financial states up to 30 years. Viking Capital doesn't publish a term length.
How much can I borrow for a pool?
Lyon Financial publishes loans up to $250,000. Neither HFS Financial nor Viking Capital publishes a maximum on its site — ask them directly for your situation.
What's the difference between the three?
Lyon Financial and HFS Financial are lenders — you apply to them for a loan. Viking Capital describes itself as a consultant that works with contractors to pair buyers with financing options, so it shops the market for you rather than lending directly.
Is there a military financing program?
Yes, through Lyon Financial, which publishes special military financing programs. Neither HFS Financial nor Viking Capital publishes a military-specific program.
Get a price for your pool
A free quote tells you what the build will cost. Take it to whichever lender fits.