Pool financing in Palm Coast
Two lenders who specialize in pools, and a payment schedule that tracks the build rather than front-loading it.
Lenders
Who we work with
Lyon Financial
Pool and home improvement lending since 1979. Unsecured pool loans, so your home is not collateral, with terms that stretch a $54,999 build into a manageable monthly figure.
HFS Financial
Home improvement lending with a fast pre-qualification that does not affect your credit score, commonly used for pool and outdoor living projects.
We are a pool builder, not a lender, so rates and approval are between you and them. What we do is provide every document a lender asks for, promptly, and build to the schedule they fund against. Plenty of our customers also use a home equity line instead; either route works with the payment schedule below.
How payment works
You pay as the pool gets built
| Stage | What has just happened | Payment |
|---|---|---|
| Contract | Scope agreed, 3D design signed off | 25% |
| Shell complete | Excavation done, steel in, gunite sprayed and cured | 25% |
| Deck complete | Decking poured or laid, tile set | 25% |
| Pool filled | Water in, equipment running | 24% |
| Punch list / final inspection | Every last item closed out | 1% |
Why the last payment is 1%. It keeps us accountable for the punch list. You hold it until the final inspection passes and every item on the list is done. Builders who collect everything at fill have no financial reason to hurry back for the small stuff.
Talk numbers with a real person
Free, written, and itemized line by line. Starting price $54,999, published for everyone.