Financing
Apply directly with the lender that fits you.
We don't finance pools — we install them. Below are three independent lenders our customers have used for pool projects. You apply directly with whichever one matches your situation; they set your rate, term, and approval. We're not paid to recommend them.
Independent partners
Three lenders. You pick.
Tap any lender below to start a soft-credit pre-qualification on their site. The application takes a few minutes and won't affect your credit score.
Lyon Financial
Pool-specialty lender, 30+ years. Loans up to $200,000 with terms up to 30 years. Soft credit check to see your offer.
- Loans $10K – $200K
- Terms up to 30 years
- Soft pull pre-qualification
- No prepayment penalty
Viking Capital
Pool, spa, and home-improvement financing. Quick decisions, fixed rates, multiple program tiers based on credit profile.
- Pool + outdoor projects
- Fixed-rate programs
- Multiple credit tiers
- Funds direct to contractor
HFS Financial
Marketplace lender — shops your application across multiple banks. Loans up to $500,000. Useful when you want to compare offers.
- Loans up to $500K
- Multiple-bank shopping
- Unsecured — no lien
- 5-minute soft check
iTopPools is not a lender, broker, or financial advisor. The companies above are independent third parties. Loan terms, rates, and approval are determined entirely by each lender. Verify all terms directly with the lender before signing.
Rough monthly estimate
Illustrative only. Your actual rate is set by the lender based on credit profile, loan amount, and term.
Estimated monthly payment
$760/mo
Calculated at an illustrative 8.99% APR over 15 years. This is not an offer. Each lender will give you a real rate after a soft credit check.
We'll quote your pool. You apply for financing directly with the lender of your choice above.
How it actually works.
Get a quote from us
We design your pool, scope the patio and any outdoor add-ons, and put a real number on the project. Free, no obligation.
Apply with a lender
Pick whichever of the three lenders fits you. Soft credit pre-qualification takes a few minutes on their site and won't ding your score.
Pool gets built
Your lender funds the project on the milestone schedule we agree to. We handle permits, install, and startup. You get the keys.
Common questions.
Does iTopPools provide the financing?
No. We're pool installers, not a lender. We point you to three independent financing companies that specialize in pool loans. You apply directly with whichever one fits you best, and they decide rates, terms, and approval.
Are you compensated by these lenders?
No. We don't receive referral fees or commissions from any of these companies. We recommend them because our customers consistently report fair terms and a smooth experience.
What credit score do I typically need?
Each lender sets its own minimums. Most pool-loan programs start around 640 to 680, but a few partners can work with scores in the low 600s. The lender will tell you for sure when you pre-qualify.
Will applying hurt my credit score?
Pre-qualification with these lenders is a soft credit check that doesn't affect your score. A hard pull only happens if you proceed with a formal application. Confirm this on each lender's site before applying.
Can I pay it off early?
All three lenders we recommend offer no prepayment penalties at the time of writing. Always confirm directly with the lender before signing.
What's the minimum down payment?
Some programs allow zero down. Others offer better rates with money down. Each lender publishes its own terms — check theirs directly.
Can I finance the patio and outdoor kitchen too?
Most lenders fund the entire project: pool, deck, outdoor kitchen, screen enclosure. Confirm with the lender that your full scope is eligible.