LIVPOOLS
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Financing

Your dream pool, from $366/mo.

Build now, pay over time. LIV partners with the country's top pool lenders for fast, low-rate financing — most homeowners are pre-approved the same day.

Soft credit checkNo equity requiredSame-day decisions
Payment estimator
Project amount$78,000
Term
Estimated monthly payment
$791/mo
at 8.99% APR · 180 months · est.
How financing works

Pre-approved in three steps.

01
Apply in minutes

Pick a lender below and complete a short online application. A soft check won't affect your credit.

02
Get pre-approved

Most homeowners get a decision the same day, with a rate and monthly payment in hand.

03
Build your pool

Bring your approval to LIV and we lock your design. Pay over time while you enjoy the pool now.

Ways to finance

Three ways to fund your build.

Every project is different. Here's how most homeowners pay for a pool — and which route we usually recommend.

Lowest rates
Home equity

Borrow against the equity in your home. Usually the lowest rates available, but it requires built-up equity and a home appraisal.

Most popular
Unsecured personal loan

No collateral and no home equity required — approval is based on your credit. The fastest, most popular route for our homeowners.

Not recommended
Credit card

Convenient for small upgrades, but high interest rates make cards a poor fit for funding a full build. We do not recommend it.

Our lending partners

Trusted pool lenders.

Apply directly with the lender that fits you best. Each offers fast, soft-check pre-qualification — and you can compare more than one.

Lyon Financial
Pool-lending specialist since 1979
  • Loans up to $200k
  • Terms up to 30 years
  • No equity or appraisal
  • No prepayment penalty
HFS Financial
Pools & home improvement
  • Up to $500k
  • Terms up to 20 years
  • Soft-check pre-qual
  • Funds in days
LightStream
Online lending by Truist
  • $5k–$100k
  • Low fixed rates
  • Same-day funding
  • No fees, ever
Viking Capital
Built for affordable payments
  • Pool-focused loans
  • Quick pre-approval
  • Low monthly payments
  • Live US support

Financing provided by third-party lenders. Rates, terms, and approval are determined by the lender and subject to credit approval. Estimated payments shown are for illustration only and are not an offer of credit.

Your credit score

A better score means a better rate.

There is no single cutoff to finance a pool. The stronger your credit, the lower the rate and the longer the term you'll be offered — but many homeowners qualify while still building credit. Checking your rate uses a soft pull and never affects your score.

720+
Excellent
Best fixed rates and longest terms — typically the lowest monthly payment.
660–719
Good
Strong approval odds with competitive rates from most of our partners.
Building
Fair / rebuilding
Still plenty of options — Lyon, HFS, and Viking work with a wide range of profiles.
Questions

Financing FAQ.

No. Our lending partners use a soft credit pull for pre-qualification, which does not affect your credit score. A hard pull only happens if you choose to move forward.