Financing Available
Your Dream Pool, Affordable Monthly Payments
Rates starting at 7.19% APR — loans up to $200,000 with terms up to 30 years. No equity or appraisals required.
Current Rates
Lyon Financial Loan Examples
Real numbers for real projects. These examples show what pool financing actually looks like.
Starter Pool
$50,000
Perfect for a custom gunite pool with basic features
Most Popular
$80,000
Pool + spa + water features + travertine deck
Complete Outdoor Living
$100,000
Pool + spa + outdoor kitchen + fire features + full hardscape
†Rates shown are for qualified borrowers. 7.19% APR requires minimum FICO 820 for 15-20 year terms. 8.49% APR for 30-year terms requires minimum FICO 800. All loans subject to credit approval.
Plan Your Budget
Interactive Loan Calculator
Slide the controls to see how loan amount, rate, and term affect your monthly payment.
Pool Loan Calculator
Estimate your monthly payment — powered by Lyon Financial rates
Lyon Financial rates start at 7.19% APR for qualified borrowers (FICO 820+). Your rate depends on credit profile, loan amount, and term.
Estimated Monthly Payment
$682.11
per month for 15 years
Total Paid
$122,780
Total Interest
$47,780
†Rates shown are examples only. Actual rates range from 7.19% to 8.49%+ APR depending on credit score, loan amount, and term length. Minimum FICO 820 for 7.19% APR on 15-20 year terms. All loans subject to credit approval. Lyon Financial is the lender — Blue Waters Construction does not provide financing directly. Terms and conditions apply.
Our Financing Partner
Lyon Financial — Since 1979
Blue Waters Construction has partnered with Lyon Financial, the nation's leading pool financing specialist with over $6.5 billion in funded loans and 800,000+ happy customers.
Unlike banks and credit unions, Lyon Financial specializes exclusively in pool and outdoor living financing. Their team understands pool projects and can structure loans specifically for construction timelines.
$6.5B+
Funded Since 2022
800K+
Happy Customers
45+
Years Experience
Low Fixed Rates
Starting at 7.19% APR for qualified borrowers
Up to $200,000
Finance your entire outdoor living project
Up to 30 Years
Longest terms in the industry for lowest payments
Fast Approval
Pre-qualified in minutes, funded in 24-48 hours
No Prepayment Penalties
Pay off early anytime without fees
No Equity Required
No home appraisals or equity needed
Military Programs
Special rates for veterans & active duty
Live Representatives
Real humans answer — never a phone tree
Simple Process
Four Steps to Your Dream Pool
From pre-qualification to enjoying your pool — the process is fast and painless.
Get Pre-Qualified (2 Minutes)
Complete a quick application on Lyon Financial's secure portal. This is a soft credit check — it won't affect your credit score. Know your budget before you design.
✓ No impact to credit scoreDesign Your Project
Work with Blue Waters to design your dream outdoor space. We'll create 3D renderings and a detailed proposal that fits within your approved budget.
✓ 3D design renderings includedFinalize & Lock Your Rate
Once your project scope and price are set, finalize your loan terms with Lyon Financial. Lock in your rate and sign — funds are disbursed in stages as construction progresses.
✓ Funds disbursed in stagesBuild & Enjoy
Construction begins on your schedule. Monthly payments start after funding. You'll be swimming in your new pool before you know it.
✓ Typical build time: 8-12 weeksFinancing FAQ
Common Questions About Pool Financing
What credit score do I need?
How much can I borrow?
Do I need home equity?
How long does approval take?
Can I finance the entire project?
Are there any prepayment penalties?
What if I'm active military or a veteran?
Ready to Get Started?
Your Dream Pool Is More Affordable Than You Think
Get pre-qualified in minutes. No obligation, no impact to your credit score, no pressure.
Or call Lyon Financial directly: 877-754-5966