Flexible Financing for Your Dream Pool
Transform your backyard dreams into reality with Aquavida Pools’ flexible financing solutions. Build your luxury pool with little to no money down and enjoy affordable monthly payments.
Financial Companies
Lyon Financial Pool Loan – Tailored for Pools
Key Features
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- Unsecured financing (no home equity, no appraisal, and no collateral).
- Fixed interest rates with predictable monthly payments and terms up to 30 years.
- Fast approval—often within 24–48 hours.Â
Staggered payments directly to your pool builder in stages-you approve. - No prepayment penalties—you can pay off early without extra fees.
- Dedicated support—Lyon stays involved throughout construction.
Reviews Insights
Lyon Financial has over 500,000 happy customers with 4+ decades of experience. Customer reviews highlight “very easy financing process” and “customer service was very helpful and informative throughout the whole process.” Many customers appreciate that Lyon “has been quick to make payments to the contractor and responds to our emails very quickly
HELOC – Home Equity Line of Credit
Key Features
Secured by your home — it requires collateral and typically at least 15–20% home equity.
Variable interest rates — can fluctuate with market conditions.
Revolving credit structure — you can draw, repay, and re-draw during the draw period. Then repayment typically begins.
Closing costs and appraisal required, with lien placed on your property.
Potentially lower rates, yet comes with risk — especially foreclosure if you default.
Tax-deductible interest may apply if used for qualified home improvements — check current IRS rules.
Review Insights
Lower HELOC boasts excellent customer reviews, which can be a reliable indicator of a lender’s service quality.
Upstart has an excellent customer service rating on Trustpilot based on over 51,000 reviews.
Many customers value HELOC flexibility for home renovations and debt consolidation, though experiences vary significantly by lender.
HFS Financial – Comprehensive Home Improvement Financing
Key Features
Partnership with Aquavida Pools and Spas LLC provides trusted national financing
Loan amounts up to $500,000 available for pool and backyard projects
$0 Down options available for qualified customers
Soft inquiry pre-qualification (does not affect your credit score)
Flexible repayment options with low, fixed monthly payments
Fast decisions — many within 24 hours
No home equity required (unsecured financing)
Eligible for pools, spas, landscaping, and outdoor living upgrades
Review Insights
Finance the entire backyard upgrade, or use funds for pool + spa + outdoor features all at once.
The comprehensive approach allows customers to transform their entire outdoor space without multiple loan applications.
Viking Capital – Pool Loan Consultant & Broker
Key Features
Consultant & Broker Model — connects you with multiple lenders for unsecured pool loans (typically $25,000+)
Unsecured Loans — no collateral needed, focuses on income, debt, and credit score (high-600s or above)
Fast Processing — soft credit pull initially, approval within 24 hours, funding in 1–2 business days
Wide Lender Network — access to flexible loan options and terms up to 20 years
Established Since 1999 — works closely with contractors nationwide
Review Insights
Viking Capital has 4.9 stars from 1,875+ reviews, with customers praising “excellent customer service, easy process, helpful guidance.”
Many highlight getting “pool approval in minutes and the entire process for funding completed in just a day.”
So, Which Option is Right for You?
Choose Viking Capital if you:
- Want access to multiple lenders through a single application process.
- Prefer having a consultant guide you through various loan options and terms.
- Need flexibility in loan structure with terms up to 20 years and competitive rates.
- Value transparency and want to compare different offers before deciding.
- Are working on larger projects (typically $25,000+) and want specialized expertise.
Choose Lyon Financial Pool Loan if you:
- Prefer no lien on your home—keeping equity untouched.
- Want fixed payments and stable budgeting.
- Value quick approval and lender coordination with your builder.
- Desire a loan designed exclusively for pool/build projects.
Choose HELOC if you:
- Have strong home equity and don’t mind using it.
- Want potentially lower variable rates and flexible funding access.
- Are comfortable with appraisal processes and managing interest rate variability.
- Prefer possible tax-deductible interest, given current tax regulations.
Choose HFS Financial if you:
- Need higher loan amounts (up to $500,000) for comprehensive projects
- Want $0 down payment options
- Prefer soft credit inquiries that don’t affect your credit score
- Are planning a complete backyard transformation (pool + spa + landscaping)
- Value partnership with established pool contractors
Comparison Table
|
Feature
|
Lyon Financial Pool Loan
|
HFS Financial
|
Viking Capital (Broker)
|
HELOC
|
|---|---|---|---|---|
|
Collateral
|
No — unsecured
|
No — unsecured
|
No — unsecured
|
|
|
Appraisal / Closing
|
None required
|
None required
|
None—consultation only, soft pull initial
|
Yes—appraisal & closing likely
|
|
Repayment Terms
|
Up to 30 years
|
Flexible terms available
|
Up to 20 years (varies by lender)
|
Varies—often draw and repayment periods
|
|
Loan Amount
|
$5K–$200K
|
Up to $500K
|
Depends on lender (project > $25K)
|
Depends on home equity
|
|
Down Payment
|
Varies
|
$0 Down available
|
Varies by lender
|
N/A
|
|
Approval Speed
|
Fast (≈48 hrs)
|
Fast (≈24 hrs)
|
Fast (≈24 hrs to approval, 1–2 days to fund)
|
Slower—appraisal, underwriting
|
|
Credit Check
|
Hard inquiry
|
Soft inquiry (no impact)
|
Soft pull initially
|
Hard inquiry typically
|
|
Fees / Penalties
|
None reported
|
Competitive
|
Varies—consultant discloses lender-specific terms
|
Potential fees (appraisal, origination, closing)
|
|
Predictability
|
High—fixed payments
|
High—fixed payments
|
Variable—depends on chosen lender
|
Low—variable payment amounts
|
|
Risk to Home
|
Low—unsecured
|
Low—unsecured
|
Low—unsecured
|
High—home used as collateral
|
|
Project Fit
|
Pool-specific, builder-coordinated
|
Comprehensive backyard projects
|
Pool-specific broker model; builder-integrated
|
General-purpose, flexible
|
|
Special Features
|
Builder draw payments, up to $200K
|
$0 down, up to $500K, soft credit check
|
Soft-credit consult, lender matching, fast processing
|
Tax deductions (if qualified), flexible access
|
|
Credit Requirement
|
Varies (some report ~5.5% example)
|
Qualification-based
|
Varies—depends on lenders in network
|
Varies—often equity and credit-based
|
Combined Insight
HFS
HFS shines with transparent, low fixed rates and fast funding—but requires excellent credit.
Lyon Financial
Lyon Financial is ideal for larger loans (up to $200K), fixed rates, and specialized builder coordination.
Viking Capital
Viking Capital offers flexibility and access via a broker model—perfect if you want quick matches without collateral.
HELOC
HELOC can be cost-effective if you have equity, but it has variable rates, slower processing, and higher risk.