Why finance your pool?

Financing lets you start enjoying your backyard this season instead of waiting years to save. With fixed monthly payments, you keep your cash reserves intact and lock in today's installation pricing.

Keep your savings

Preserve cash for emergencies instead of paying everything up front.

Predictable payments

Fixed-rate loans mean the same payment every month — no surprises.

No home equity needed

Unsecured personal loans — no liens, appraisals, or using your home as collateral.

Fast pre-approval

Soft credit checks give you an answer in minutes without hurting your score.

Our lending partners

Apply with either partner below. Both let you check your rate with a soft credit pull that won't affect your credit score.

HFS Financial

A dedicated home-improvement and pool lending platform that has funded over 100,000 homeowners since 2011.

Loans from $1,000 to $450,000
Fixed rates starting around 7.80% APR
Terms from 1 to 30 years
No prepayment penalties
60-second soft-pull inquiry, funding in as little as 24–48 hours

Apply with HFS →

Lyon Financial

A pool-financing specialist in business since 1979, with an A+ BBB rating and a dedicated program for military families.

Loans up to $250,000
Competitive rates based on creditworthiness
Terms up to 30 years
Special reduced-fee program for veterans & active duty
Streamlined online application with live human support

Apply with Lyon →

How it works

Pick a partner Choose HFS or Lyon and start their quick online application.
Check your rate A soft credit check gives you a pre-approval with no impact to your score.
Get your quote from us Tell us your pool configuration so we can match it to your budget.
Start building Once approved, funds are disbursed and we schedule your installation.

Not sure which option fits? Reach out and we'll walk you through both — there's no obligation to apply.

FAQ

Will checking my rate hurt my credit?

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

Do I need home equity to qualify?

No. These are unsecured personal loans, so there's no appraisal, no lien on your home, and no home equity requirement.

How fast can I get funded?

Qualified borrowers can often receive a decision the same day and funding within a couple of business days, though timelines vary by lender and your application.

Is Mirra Pools the lender?

No. We partner with HFS Financial and Lyon Financial to offer financing options. All loan terms, approval, and funding are handled directly by the lender.