Building a pool is one of the best ways to enhance your home’s value, comfort, and lifestyle — but it’s also a major investment. The good news? You don’t have to pay for it all upfront.
Whether you’re dreaming of a custom pool for your Palm Beach backyard or upgrading your community pool in Port St. Lucie, there are several smart financing options available to make it happen.
In this article, we’ll walk you through how to finance a pool both secured and unsecured loans — and how Fountain Blue Pools’ trusted financing partners make the process easy and affordable.
If you own your home and have built up equity, secured loans can offer lower interest rates and longer repayment terms. These loans use your home as collateral, which means you’re borrowing against your property’s value.
A home equity loan works like a second mortgage, providing a lump sum payment upfront that you repay over time with a fixed interest rate.
Why it works well for pools:
Just remember — since your home is the collateral, missed payments could put your property at risk.
A HELOC acts like a revolving line of credit. You can draw funds as needed for different stages of your pool project and only pay interest on what you use.
Key advantages:
However, like a home equity loan, your home secures the line of credit, so it’s important to borrow responsibly.
With a cash-out refinance, you replace your existing mortgage with a new, larger loan — and take the difference in cash. Many homeowners use this option when mortgage rates are favorable.
Why it’s worth considering:
Access to a large lump sum for your pool and related upgrades
If you’d rather not use your home as collateral — or if you’re a new homeowner — unsecured loans may be a better fit. These rely on your credit score and income rather than your home’s value.
A personal loan from a bank, credit union, or online lender is one of the fastest ways to get funding. Approval often takes just a few days, and you can use the funds for any project cost.
Pros:
Cons:
If you have strong credit and want quick, predictable financing, this can be a great choice.
Some lenders specialize in financing swimming pools — offering tailored terms, flexible structures, and dedicated support. Fountain Blue Pools works with three of the most trusted names in the industry to help clients secure their dream backyard with confidence.
At Fountain Blue Pools, we’ve partnered with HFS Financial, Lyon Financial, and Viking Capital to make pool financing simple, transparent, and tailored to your needs. Each partner offers unique benefits depending on your credit, budget, and project scope.
HFS offers direct-to-consumer funding with a soft-hit prequalification (meaning your credit score isn’t affected).
This option is ideal if you want to finance your entire project — including decking, lighting, or outdoor kitchens — all in one loan.
Lyon Financial has been helping homeowners finance pools for over 40 years. They specialize in unsecured signature loans, which don’t require home equity or appraisals.
Highlights:
Lyon’s programs are perfect for homeowners who prefer predictable payments and want the flexibility to pay off their loan early.
Viking Capital provides a personalized, no-obligation loan consultation process with multiple lending options. Their application includes a soft credit pull so you can explore your options risk-free.
Benefits include:
Viking is ideal for homeowners who want a customized financing approach — they’ll help you compare options and find the perfect fit for your project and budget.
No matter which option you choose, taking a few steps upfront can make financing smoother and more affordable:
Before requesting pool estimates, apply for pre-approval with one of our financing partners. Knowing your budget helps you design confidently without overextending.
If you have significant equity in your home, a HELOC or home equity loan may provide the best rates.
Each lender offers different rates and terms. Take time to review your options — even a small difference in rate can mean thousands in savings over time.
If you choose a secured loan, remember your home is on the line if payments are missed. Always borrow within your comfort zone and build a repayment plan that fits your lifestyle.
Financing a pool doesn’t have to be complicated. With the right partner and plan, you can create the backyard you’ve always wanted while keeping your budget intact.
At Fountain Blue Pools, we’ve helped thousands of Florida homeowners design, build, and finance luxury pools through trusted lending partners like HFS Financial, Lyon Financial, and Viking Capital.
Whether you’re planning a custom spa, a freeform resort-style pool, or a modern commercial installation, our team will help you navigate every step — from financing to final splash.
Ready to get started?
Apply for pool financing today or contact our team to discuss the best option for your project.