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 — the full comparison is below.
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?
Every line below comes from what each partner publishes about itself. Where one doesn't state a figure, this says so rather than guessing — which is most of Viking Capital's column.
| 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 |
All three links leave poolproscfl.com. Apply directly — terms are the lender's to approve, not ours.
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
Financing tells you what you can borrow. A free quote tells you what the build itself would run — get one, then take it to whichever lender fits.