- Why Finance With Us
Built for pool buyers - not generic borrowers.
We work with lenders who specialize in pool projects. They understand build timelines, draw schedules, and the value an outdoor space adds to your home.
Loan Amounts up to $250K+
Funding sized for the full project - pool, spa, deck, screen, outdoor living.
Terms up to 20 Years
Fixed-rate options with payment plans that fit your monthly budget.
Unsecured Pool Loans
Most of our financing partners do not require home equity or a HELOC.
Competitive Rates
Pool-specialist lenders offering better rates than general-purpose loans.
- How It Works
Four steps from consultation to your first swim.
Free Consultation
Tell us about your project at the design consultation. We share typical price ranges so financing math is realistic from day one.
Lender Match
We connect you with our trusted pool-specialist lenders. You compare offers and choose the rate and term that fit your home and budget.
Quick Application
Most lenders provide a soft-pull pre-qualification in minutes and a full approval within one business day.
Build Begins
Once financing is approved and the contract is signed, we move into permitting and dig. Funding draws coordinate with the build phases.
- What to Prepare
A simple checklist to apply.
Lenders ask for standard documentation. Having these ready means approval happens in days, not weeks.
- Common Questions
Everything you’d like to know.
Do I need home equity to finance a pool with Lifestyle Pool and Spa?+
No. Most of our partner lenders offer unsecured pool loans - no HELOC, no second mortgage, no lien against your home required. Secured-loan options are also available if that fits your financial picture better.
What credit score do I need?+
Our lender partners work with a range of credit profiles. The strongest rates typically go to scores above 680, but options exist down through the mid-600s. We can help you pre-qualify without affecting your credit score.
How much does a Lifestyle pool typically cost?+
Custom pool projects in Central Florida typically run from the mid-$60s to $200K+ depending on size, finish, spa integration, decking, screen enclosure, and outdoor-living scope. We give you a transparent estimate at consultation so the financing decision is informed.
Can I finance just the resurfacing or remodel?+
Yes. Financing is available for Pebble Tec resurfacing, tile and coping, deck refresh, equipment upgrades, and full pool remodels - not just new construction.
How long does loan approval take?+
Most pool-specialist lenders return a soft-pull pre-qualification in minutes. Full approvals and funding typically complete within one to three business days once you submit documentation.
When do I make my first payment?+
Repayment terms vary by lender. Many programs delay your first payment until the project reaches a build milestone - so you are not paying for a pool you cannot yet swim in.
Financing is provided by third-party lenders. Lifestyle Pool and Spa, LLC is not a lender and does not directly extend credit. Loan amounts, rates, terms, and approvals are determined by the lender and depend on your credit profile, income, and other factors. All loan offers are subject to lender approval. Florida Certified Pool & Spa Contractor License #CPC1460980.