(941) 575-7222 info@flamingopools.com

Pool Financing

Options for financing your pool

If you’ve been envisioning the installation of your dream pool, chances are you’ve imagined every aspect, including the automated systems for maintenance. However, have you considered the potential price tag? It’s often overlooked, but the cost of installing an in-ground swimming pool is a significant factor in turning your dream into reality!

When contemplating the construction of a pool, it’s important to thoroughly explore your financing options. Though specifics differ based on your individual financial circumstances, there are several options available.


Top 3 financing options:

Home Equity Financing

If you’re a homeowner, you might leverage the equity you’ve accumulated to obtain a home equity loan or a home equity line of credit. While these financing options typically offer lower interest rates, they may not be accessible to all homeowners. If you’ve owned your property for a short period, you might not have accumulated enough equity to qualify.

Unsecured Personal Loans

An unsecured loan is not backed by any collateral. It can be a cost-effective choice for individuals with good credit. However, if your credit score is low, obtaining a loan with a favorable interest rate might prove challenging.

Specialized Loans for Pools

When seeking swimming pool loans, your credit score is important. A higher credit score means you’ll likely qualify for more favorable terms. Prior to applying for a loan, review your credit report for accuracy. If you want to improve your credit score, think about reducing your credit card balances to lower your credit utilization ratio.

The preferred lenders we work with are Lyon Financial, HFS and LightStream. Read more about them or apply below.


Credit Cards (not recommended)

Credit cards are generally not the best choice for financing big purchases like a pool. They usually have very high-interest rates.

Lyon Financial


Since 1979, Lyon Financial has worked as a specialist in pool financing solutions. We offer terms up to 30 years, no consulting fees, no prepayment penalties, and low, fixed rates. Unlike many banks and credit unions, our experience is unique to swimming pools, not just any type of loan. Your call will always be answered by a live, knowledgeable representative, eager to offer solutions. Partner with the industry’s leader to make your backyard dreams come true!


  • Low, fixed rates – no variables
  • Terms up to 30 years
  • Loans up to $200,000
  • No consulting fees
  • No prepayment penalties
  • No equity or appraisals required
  • Special programs military programs, where available
  • Partner with both homeowner and builder until project is complete

Home Improvement Loans

HFS Financial, based in Baltimore, MD specializes in assisting homeowners with personal loans for home improvement projects.  Our simple loan inquiry will NOT affect your credit to apply and only takes 1 – minute.  Terms up to 20 years are available and all the money funds 100% DIRECT TO CONSUMER, no stage funding.  Most loans fund in a couple days.  Our knowledgable staff will ensure they answer your questions and provide you with the best service and product possible.

HFS Financial – “You Dream It, We Finance It”


Lightstream offers fixed-rate installment loans with no prepayment penalties. Securing a loan is fast and easy; qualifying borrowers may be able to have the funds for their new pool in their account as soon as the same day. *

*You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.complete the final verification process.

Showroom, by appointment only 28041 Airpark Drive #101 Punta Gorda, FL 33982
Mailing Address P.O. Box 512138 Punta Gorda, FL 33950-2138
Contact Phone: 941-575-7222 Email:info@flamingopools.com
Hans Menzer #CPC056940 | Phoebe Menzer #CPC1457362