ABOUT LYON FINANCIAL
Since 1979, Lyon Financial has been a trusted leader in swimming pool and home improvement financing, helping over 500,000 homeowners bring their backyard visions to life. With over four decades of specialized experience, Lyon Financial offers tailored loan solutions not typically available through traditional banks or credit unions.
Their programs feature low, fixed rates with terms up to 30 years and loan amounts up to $200,000—without requiring home equity, appraisals, or prepayment penalties. Each client is assigned a dedicated account manager, ensuring a smooth and personalized financing experience.
Lyon Financial works closely with homeowners and contractors throughout the entire project, providing unmatched service and support. As a valued partner, they continue to lead the industry in flexible, customer-focused pool and home improvement financing.
WEBINAR FOR POOL PROS
LEARNING OBJECTIVES:
- How financing increases customer affordability and speeds up decision-making
- The impact of financing on revenue growth and customer acquisition
- Best practices for partnering with financing providers
- Strategies for seamlessly integrating financing into your sales pitch to close more deals
WHAT OTHERS ARE SAYING ABOUT LYON FINANICAL










press releases
- Aqua Magazine: Lyon Financial Partners with The Grit Game
- Pool Spa News: Lyon Financial Hires New President
- Aqua Magazine: Lyon Financial Welcomes Back Joe Garcia
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Frequently Asked Questions
What makes Lyon Financial different than a bank or other lender?
Lyon Financial is a respected financing consultant, in business since 1979. Through our exclusive lenders, we offer financing solutions for swimming pool and home improvement projects nationwide. Once your application is received, it is reviewed individually by a member of our loan team, who will work to pair you with the program that best matches your needs and qualifications. We also stay involved with you and your pool contractor throughout the project, and pay your contractor directly in stages as work progresses. Unlike banks, credit unions, and online lenders, our experience is unique to pools, not just any type of loan. We offer long-term loans with low rates, catered for home improvements. Our loan options are unsecured, meaning there are no appraisals or equity required.
Which states do you work in?
We work across the 48 contiguous states of the United States.
What type of services do you offer?
We offer lending solutions for your swimming pool and/or home improvement project and will match your request with a program that fits your budget.
What projects can I work with you to finance?
We assist with financing for many home improvement projects, including new swimming pool construction, swimming pool renovation, spas, landscaping, outdoor living, and residential home remodeling.
Do I have to own my home to apply for financing?
Yes, the applicant must be listed as the owner of record on the deed to the property where the pool is to be constructed.
Can I pay the loan off early? Will I be charged for doing so?
There are no prepayment penalties so you can pay the loan off early and not be charged any additional interest.
How much will my monthly loan payment be?
Your monthly loan payment amount is dependent on many factors, including your loan amount, term, and credit profile. Our Pool Loan Calculator is a great resource for exploring potential monthly payments, and can be accessed by clicking “Loan Calculator,” located in the black bar, towards the top center of the page.
What are your loan qualifications/requirements?
We look at your overall credit health, including your credit score and debt-to-income (DTI) ratio. Ideally, we like to see a DTI of 50 percent or less (including the amount of the loan you’re requesting). We also look for any recent negative marks, such as bankruptcies or tax liens. We are able to offer financing solutions for most applicants with a credit score of 660 and above. There is a minimum credit score of 660 required; however, it is not entirely credit score driven. The underwriter will review your entire credit profile, past payment performance, and experience with large secured and unsecured loans. All loan decisions are at the discretion of our lending partners.
What credit bureau do you use?
We rely on the expertise of TransUnion, but our lenders may use any of the “Big Three” reporting bureaus: Equifax, Experian, and TransUnion.
How do I apply? Can I apply over the phone?
Applications are accepted online only. You cannot apply via phone. To begin the application, click “Qualify Now!,” located in the black bar, towards the top right of the page.
I just applied for a swimming pool loan, what happens next?
Thank you for applying! Once we receive your application, we can typically have a conditional approval for you within 1-2 business days. A member of our loan team will personally review your application, ensuring you are paired with the best program for your needs and qualifications. We then reach out directly to you and go over the details and next steps in the loan process. Of course, our friendly and knowledgeable specialists are always just a quick phone call away to provide updates or answers to any questions you may have.
What pool builder can I use for my project?
We can work with most pool builders. If the pool builder of your choice has not worked with us before, there is a brief setup process.
How does the builder get paid? Can you give the funds to me?
Most fundings involve paying the pool builder directly in stages, according to the progress of the project. This ensures that the contractor is receiving the appropriate payments in the appropriate increments. In most cases, before each stage’s payment is released, we ask that you complete a brief electronic form to verify that the scope of work for that stage has been completed.
Do you charge builders fees?
No, all of our services are absolutely free to builders.
Can I build my own pool?
No, we do not currently finance any owner-builds at this time.