Why Financing Makes Sense
A custom inground pool is one of the most significant investments you'll make in your home — and in your family's quality of life. For most homeowners, paying cash in full isn't the only option, nor is it always the smartest one. The right financing strategy lets you start enjoying your pool now while keeping your savings and liquidity intact.
Think about it this way: if you can finance your pool at a fixed rate and your savings are earning a comparable or better return elsewhere, the math often favors financing. And with terms up to 30 years, the monthly payment on even a substantial project can be very manageable.
Important: Pool financing through Lyon Financial is unsecured — meaning your home equity is never put at risk. There are no appraisals, no liens on your property, and no home equity requirements. It's a standalone loan built specifically for pool projects.
What Lyon Financial Offers Our Clients
Lyon Financial has been the pool industry's go-to financing specialist since 1979. They don't do car loans, mortgages, or personal lines of credit. They do one thing: pool financing. That specialization means their team understands the unique nature of pool projects — the construction timeline, the draw schedule, the milestone-based funding — in a way that a general bank simply doesn't.
As a Scott Payne Custom Pools client, you apply through our dedicated dealer portal, which means your application is prioritized and your loan is structured around your specific project. Here's what that looks like:
- Loan amounts from $15,000 to $250,000 — covering everything from a straightforward fiberglass installation to a fully custom concrete pool with outdoor living features
- Fixed interest rates — your payment never changes, no surprises mid-project or years down the road
- Terms from 5 to 30 years — choose the term that fits your budget and financial goals
- No prepayment penalties — pay it off early whenever you're ready, at no cost
- Funds disbursed in increments — aligned with construction milestones, so you're only paying for work that's been completed
- Special military programs — Lyon Financial is veteran owned and operated, with dedicated programs for active duty and veteran homeowners
How the Application Process Works
Getting pre-approved is straightforward and takes most applicants less than 10 minutes. Here's the typical flow:
- Apply online through our dedicated Lyon Financial dealer link — your application goes directly to their pool lending team
- Receive a decision — Lyon Financial typically responds quickly, often within one business day
- Review your loan offer — a live representative walks you through your options, rates, and terms. No automated runaround.
- Finalize your project with us — once you're approved, we coordinate directly with Lyon Financial on the draw schedule tied to your construction milestones
- Funds are disbursed as work is completed — you're never paying ahead of the work being done
A note on timing: We recommend starting the financing conversation early — ideally before or during the design phase. Pre-approval gives you a clear budget ceiling and eliminates the stress of financing decisions mid-project.
Estimated Monthly Payment Ranges
The following estimates are based on Lyon Financial's published sample rates. Your actual rate and payment will depend on your credit profile, loan amount, and chosen term. These figures are provided as a general planning reference only.
Sample estimates only. Rates and payments vary. Terms & conditions apply. Contact Lyon Financial for a personalized quote.
Frequently Asked Questions
Ready to Get Started?
The best time to explore financing is before you need it. Whether you're in the early planning stages or ready to move forward, getting pre-approved through Lyon Financial takes less than 10 minutes and gives you the clarity to make confident decisions about your project.
Click the button below to apply through our dedicated dealer portal — or call us directly and we'll walk you through the process together.