Make Your Dream Pool a Reality Today

Flexible pool financing — no home equity required. Fast decisions, competitive terms, and a lender who's been helping families build pools since 1979.

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$250K Max Loan Amount

30 Yrs Max Loan Term

6.99%^* Starting Rate

$0 Equity Required

Simple Process

Get Financed in 3 Easy Steps

Swim State partners with Lyon Financial to make pool financing straightforward — no runaround, no long waits.

Apply Online

Complete Lyon Financial's secure online application in minutes. No commitment, no hard pull until you're ready.

Get Your Decision

Receive a financing decision within 48 hours — often sooner. Loan amounts from $5,000 up to $250,000 for qualified buyers.

Build Your Pool

Once approved, Swim State begins construction. Funds are disbursed in staged draws tied to project milestones.

Why Choose This

Built for Pool Owners. Backed by Experience.

Lyon Financial has helped over 800,000 families finance their backyard retreats — through three flexible programs: Cash Direct, Stage Funding, and Fast Approvals. Here's what sets this program apart.

No Home Equity Required

This is an unsecured loan — your house is never put on the line. Your pool financing stands on its own.

In Business Since 1979

Lyon Financial is the nation's leading swimming pool lender, with more than 45 years of experience in pool-specific financing.

No Prepayment Penalties

Pay off your loan early whenever you like. There are no penalties or fees for paying ahead of schedule.

800,000+ Customers Served

Lyon Financial's track record speaks for itself. More American families have financed pools through Lyon than any other lender.

Stage Funding

Funds release in milestone-based draws as the project progresses — protecting you, keeping the build on track, and giving you full visibility along the way.

No Consulting Fees

Lyon Financial charges no consulting or broker fees. What you see is what you get — straightforward lending with no surprises.

Program Details

What You Need to Know

Loan Amounts	$5,000 – $250,000
Loan Terms	Up to 30 years (with pool)
Starting Rate	As low as 6.99% APR*
Credit Decision	Within 48 hours
Minimum FICO	640
Loan Type	Unsecured personal loan
Prepayment Penalty	None
Consulting Fee	None
Equity Required	None

What Can Be Financed

New inground pool construction
Pool + spa combinations
Pool enclosures and screen rooms
Decking, patio, and outdoor living areas
Outdoor kitchens and entertainment
Pool remodels and renovations
Equipment upgrades and automation
Landscaping associated with pool project

Common Questions

Financing FAQ

Answers to the most common questions about pool financing through Swim State and Lyon Financial.

Does applying affect my credit score? +

The initial inquiry is typically a soft pull that does not impact your credit score. A hard inquiry only occurs once you formally accept a loan offer. Lyon Financial will explain the credit inquiry process during your application.

How fast can I get a financing decision? +

Most applicants receive a financing decision within 48 hours of submitting a complete application. Many decisions come faster. Once approved, you can begin working with Swim State to start your project.

Do I need home equity to qualify? +

No. Lyon Financial's pool loans are unsecured — your home is not used as collateral. This means you don't need to have equity, and your property is never at risk. Qualification is based on your credit profile and income.

What credit score do I need? +

The general minimum is a 640 FICO score, though approval and terms depend on your complete credit profile. Applicants with stronger credit typically qualify for larger loan amounts and longer terms. Lyon Financial works with a range of credit profiles — it's worth applying to see your options.

Can I pay off the loan early? +

Yes. There are no prepayment penalties. You can pay off your loan in full at any time without any additional fees or charges.

How are funds released during construction? +

Lyon Financial uses a staged draw process. Funds are released in installments tied to verified project milestones — keeping both you and Swim State on track. This protects you as the homeowner and ensures funds are used for their intended purpose.

What are the current rates and terms? +

Rates start as low as 6.99% APR*, with loan amounts up to $250,000 and terms up to 30 years. As an example: an $80,000 loan with a 15-year term at 7.99% APR would result in 180 monthly payments of approximately $764.06.* Your actual rate and term depend on your credit profile, loan amount, and other factors. The lowest advertised rates go to the most creditworthy applicants. Apply to see the rate Lyon Financial can offer you.

Is Swim State available in all areas? +

Swim State Pool Service serves Gainesville and the surrounding North Central Florida area. Financing availability may vary by state. Contact us to discuss your project location.

Important: All financing is provided by Lyon Financial, an independent third-party lender. Swim State Pool Service is not a lender and does not make credit decisions. Loan terms, rates, and availability are determined solely by Lyon Financial based on creditworthiness and applicable law. Subject to credit approval. Conditions and limitations apply, including state restrictions. Contact Lyon Financial directly at lyonfinancial.net for complete program details, current rates, and full terms and conditions.

Summer Won't Wait

Start Now. Enjoy Summer Sooner.

Every week you wait is a week of summer you don't get back. Material costs continue to climb, builder schedules fill up fast, and another season slips by. With financing in place, you can lock in today's pricing, secure your spot on our build calendar, and be swimming sooner than you think.

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Ready to Start Your Pool Project?

Get your financing in place, then let Swim State build the pool you've always wanted.

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Swim State Pool Service is an authorized dealer partner of Lyon Financial. All loan products are offered and originated by Lyon Financial. Swim State Pool Service is not a lender and does not originate or service loans. Financing is subject to credit approval by Lyon Financial. Not all applicants will qualify. Loan amounts, terms, and availability subject to change without notice. State restrictions may apply. For complete rate, term, and program information, visit lyonfinancial.net. ©2025 Swim State Pool Service. All rights reserved.