Financing Guide

How to Finance a Custom Pool in North Texas

By Jesus Arias, Certified Watershape Foreman · LiquidLux Custom Pools · Serving Plano, McKinney, Allen & DFW

Most of our clients in Plano, McKinney, Allen, and across DFW don't write a check for their entire pool project — they finance it, the same way they'd finance a car or a kitchen remodel. If you're wondering how that actually works, here's a straightforward look at the real options.

The Three Main Ways to Finance a Pool

1. Home Equity Loan or HELOC

These use your home as collateral, which typically gets you a lower interest rate. A home equity loan gives you a fixed lump sum and a fixed payment; a HELOC gives you a revolving line of credit, usually at a variable rate. The trade-off is more paperwork, a home appraisal, and — because your home secures the loan — more risk if your financial situation changes.

2. Cash-Out Refinance

You replace your existing mortgage with a larger one and take the difference in cash. It can make sense if current mortgage rates are favorable, but it resets your mortgage term and comes with full refinance closing costs.

3. An Unsecured Pool Loan

This is what most of our clients choose. It's a personal loan, so your home is never used as collateral — no equity, no appraisal, no risk to your mortgage. General-purpose unsecured personal loans usually cap out lower and carry shorter terms, but lenders that specialize specifically in pool financing offer meaningfully better terms because pools are their entire business.

What You Can Expect With Lyon Financial

As our financing partner, Lyon Financial offers terms specifically built for pool projects:

• —Unsecured loans from $5,000 to $200,000
• —Terms of 15, 20, 25, or 30 years
• —Available for FICO scores of 660+, with DTI up to 60% on approved credit
• —No home equity or appraisal required
• —Fixed rates that don't change over the life of the loan
• —Discounted fees for active-duty and retired military (Lyon is veteran-owned)

A Realistic Payment Example

Every rate depends on your individual credit, but here's the kind of math worth running before you commit to a design. On a fixed-rate loan at roughly 7.99% APR:

• —$65,000 over 20 years ≈ $543/month
• —$65,000 over 15 years ≈ $621/month
• —$90,000 over 20 years ≈ $752/month

These are illustrative estimates, not a quote — your actual rate depends on credit score and Lyon's underwriting. Use Lyon Financial's own calculator at LyonFinancial.net for a number based on your real credit profile.

How to Get Started

Applying with Lyon Financial takes a few minutes and won't hold up your design process — most clients apply while we're still finalizing their 3D design. Once you know what you qualify for, we can shape the project scope around a monthly payment that actually makes sense for your budget, instead of guessing and hoping.