Can I Finance a New Pool Build?
Yes, most homeowners in Southern California can finance a new pool through home improvement loans, HELOCs, or specialized pool financing programs.
Many clients spread the cost of construction over several years while building equity in their homes. Element Pools helps homeowners explore flexible payment options tailored to their budgets.
How Can I Finance A New Pool?
Building a pool is a major investment, but you don’t need to pay for it up front. Financing allows you to enjoy your new backyard retreat now and spread payments out over manageable monthly terms.
Most homeowners choose from these common financing methods:
Home Improvement Loans: Fixed-term personal loans specifically for property upgrades.
HELOC (Home Equity Line of Credit): Access equity in your home and pay interest only on what you use.
Pool Financing Specialists: Companies like Lyon Financial or HFS Financial partner directly with contractors like us for fast approvals.
Most programs offer 10-20 year terms with competitive rates, especially for energy-efficient or eco-conscious pool systems.
What Lenders Consider
To qualify for pool financing, lenders typically evaluate:
Credit Score: Most require 650+, but programs exist for lower scores.
Equity or Home Value: Determines how much you can borrow.
Project Scope: Cost, contractor credentials, and documentation.
Proof of Income: Verifies ability to manage monthly payments.
Working with an established, licensed builder like Element Pools gives lenders added confidence. They prefer vetted, insured contractors familiar with local permitting and inspection processes.
Benefits of Financing vs. Paying Cash
Financing Pros:
Preserve savings for other home projects.
Start construction sooner without waiting to save.
Potential home value increase after completion.
Interest may be tax-deductible if tied to a HELOC (consult your tax advisor).
Paying Cash Pros:
No monthly payments or interest costs.
Easier project flexibility (no lender paperwork).
Quicker closing process.
For most families, financing strikes a balance between affordability and convenience, letting them enjoy their dream backyard sooner.
Smart Financing Tips for Homeowners
Get Prequalified Early: It helps define your budget and keeps the project timeline on track.
Compare Options: Ask your builder which lenders they recommend. Element Pools partners with HFS Financial for all pool projects.
Bundle Upgrades: It’s often easier to finance new automation systems or energy-efficient equipment at the same time as the main pool build.
Avoid Overbuilding: A smaller, custom pool with premium finishes can hold resale value better than an oversized, budget design.
Why Work With a Licensed Builder During Financing
Many lenders require that the contractor managing your build be licensed, insured, and compliant with state laws.
Element Pools is fully licensed in California, Utah, and Arizona, offering transparent contracts, itemized estimates, and clear payment milestones- all lender-friendly practices that make the financing process smooth and predictable.
Our team coordinates with your lender’s inspection and draw schedule, ensuring funds are released on time and construction never stalls.
Quick Takeaways
Yes, pool financing is widely available across Southern California.
Best options: HELOC, home improvement loan, or pool financing partner.
Many homeowners use financing to build equity and increase property value.
Always work with a licensed builder to ensure loan approval and project protection.
Get Prequalified for Your Custom Pool Today
Ready to explore financing options for your dream backyard? Element Pools partners with HFS Financial to help homeowners start building sooner.
Located near any of these locations?
Phoenix, AZ
Salt Lake City, UT
Explore pool construction and remodeling, or contact us to schedule your free consultation and financing review.