Bring your dream pool within reach.
Flexible financing through HFS Financial makes it possible to build, remodel, or upgrade your pool without draining your savings or tapping into your home's equity.
Start with a free, no-obligation estimate — once we know your project scope and pricing, we'll help you get pre-approved through HFS Financial.
From dirt to oasis.
See what's possible in your own backyard — then let's talk about how to make it happen.
Before
After
Financing built around you.
No Equity Needed
No home equity, second mortgage, or collateral required. Approval is based on your creditworthiness, not your home's value.
Low, Fixed Rates
Predictable, fixed monthly payments for the life of your loan — with no prepayment penalty if you want to pay it off early.
No Stage Funding
Funds are paid directly to you, not released in construction draws, so you can work with any licensed contractor you choose.
Flexible Loan Amounts
Finance from $1,000 up to $450,000, with terms up to 30 years, based on your credit profile.
From rate check to funded, in four steps.
Inquire
Check your rate online in minutes. It's a soft credit pull, so it won't affect your credit score.
Get Prequalified
View your instant loan options, or speak directly with a loan consultant about what fits your project.
Verify
Securely upload a few basic documents so HFS can verify and finalize your loan.
Get Funded
Once approved, funds are typically available within 48 hours — paid directly to you.
Financing, answered.
Will checking my rate affect my credit?
No. Checking your rate with HFS Financial is a soft credit pull and does not affect your credit score.
How much can I finance, and for how long?
Loans range from $1,000 to $450,000, with terms up to 30 years. The amount and terms you qualify for depend on your credit profile.
Do I need home equity or collateral to qualify?
No. HFS Financial personal loans do not require home equity, a second mortgage, or any collateral. Approval is based on income and creditworthiness.
How is the money paid out?
Loans are paid directly to you, not released in stages tied to construction milestones — and not to the contractor. That means you can work with any licensed contractor of your choosing.
Is there a penalty for paying off my loan early?
No. HFS Financial loan programs have no prepayment penalties.
How fast will I actually get my funds?
Most applicants receive a decision within minutes of applying online. Once approved, loan proceeds are typically available within 48 hours.
Ready to see your options?
The first step is a free estimate — once we've scoped your project, we'll help you explore financing that fits.
Financing provided by HFS Financial, an independent lender. Terms subject to credit approval.