Swimming Pool Financing

Explore swimming pool financing options and plan a budget before choosing your pool and backyard features.

Quick answer

Can I finance a swimming pool through Parrot Bay Pools & Spas?

Parrot Bay offers access to swimming pool financing through lending partners, including HFS and Lyon Financial. You can apply directly on their websites and may receive an answer in minutes; confirm current rates, terms and eligibility with the lender.

  • HFS fundingDirect-to-consumer personal loans
  • HFS equityNo equity needed
  • Lyon loan amountUp to $200,000
  • Lyon loan termsUp to 30 years
Step 1 - Plan your budget

How much should you plan to spend on your pool?

Swimming Pool Financing NC

Inground Pool Financing

Before you start shopping for your new swimming pool and all the features you want, it’s helpful to get a good idea of what you can spend.

If you’ve already explored how much it costs to install a pool, it’s time to figure out what your budget should be.

To help with this, Parrot Bay has a variety of swimming pool financing options available to help. We have carefully selected partners who offer swimming pool loans with great rates.

Start with a monthly payment you would be comfortable making, then compare the total borrowing cost as well as the payment. Ask each lender about current rates, fees and eligibility before deciding.

What this means for you: Choose a budget that works for your household before committing to pool features.

Rectangular fiberglass pool with travertine patio and a stone waterfall
Step 2 - Compare lenders

What financing does HFS offer?

HFS Loans

HFS Loans

Finance your next Parrot Bay Pool with HFS! HFS offers 100% direct-to-consumer funding on personal loans. No equity needed and no money down.
Apply

Review HFS’s current application requirements and loan disclosures directly with the lender.

What this means for you: HFS is an option to explore if you are looking for personal-loan funding without using home equity.

Ideas for your backyard

See what is possible

Aerial of a rectangular fiberglass pool with a wood-look deck and lounge chairs
Fiberglass pool with a tanning ledge and travertine patio
Rectangular pool with a privacy hedge and lounge chairs
Aerial of a freeform fiberglass pool on a lawn
Step 3 - Review another option

What financing does Lyon Financial offer?

Making Backyard Dreams Come True Since 1979!

Fast, personal service from people who care.

  • Loans up to $200,000
  • Low, fixed rates
  • Terms up to 30 years
  • Veteran owned
Apply

Ask Lyon Financial which rates and terms are available to you. Compare both monthly payments and total repayment amounts when reviewing loan offers.

What this means for you: Compare the actual offer you receive rather than choosing a loan based only on its maximum amount or term.

Step 4 - Explore your application

How do you apply for swimming pool financing?

You can apply directly on their websites, and often get an answer in minutes!

Use the lender links above to review the application process. Before submitting, ask whether checking your options affects your credit and what information you will need to provide.

Updated January 2026

What this means for you: An application response is not a promise of approval or funding; confirm the next steps with your lender.

Step 5 - Plan your pool

What comes after lining up financing?

Once your financing is lined up, it’s time to select your pool package! If you’ve already done that, go ahead and schedule a consultation or give us a call at 919-888-0327 and let’s get you swimming!

Schedule a Consultation

Parrot Bay builds fiberglass and custom concrete pools for homeowners in Raleigh, Fayetteville, Wilmington and central/eastern North Carolina. The Design Center at 194 Federal Rd Ext, Benson, NC 27504, is open by appointment.

Bring photos of your yard, your preferred pool features and your budget questions to the consultation.

What this means for you: Use your financing plan to guide a conversation about the pool and features that fit your budget.

Parrot Bay Design Center in Benson with pools on display
Questions homeowners ask

Your questions, answered

Still deciding? Call (919) 888-0327 or book a time at our Benson Design Center and we will walk you through it.

Where can I apply for a swimming pool loan?

You can apply directly through the HFS and Lyon Financial websites linked on this page. Review current rates, terms and application requirements with each lender.

Do I need home equity to finance a pool with HFS?

HFS offers direct-to-consumer personal loans with no equity needed and no money down. Confirm eligibility and current loan terms directly with HFS.

How much can I borrow through Lyon Financial?

The Lyon Financial option listed on this page offers loans up to $200,000. Ask the lender what amount and terms are available to you.

How long are the pool loan terms?

The Lyon Financial option listed here offers terms up to 30 years. Confirm your available term and total repayment amount with the lender before accepting an offer.

How quickly can I get an answer on a pool financing application?

Parrot Bay notes that applicants can often get an answer in minutes through its lending partners’ websites. That is not a guaranteed approval or funding timeline; ask the lender what happens after you apply.

What should I do after arranging pool financing?

Select your pool package, then schedule a consultation if you have not already done so. You can also call Parrot Bay at (919) 888-0327 to discuss next steps.

Can I visit Parrot Bay to discuss my pool plans?

Yes, the Design Center at 194 Federal Rd Ext, Benson, NC 27504, is available by appointment. Bring yard photos, ideas for pool features and questions about your project budget.

Your next step

Keep planning your pool

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Parrot Bay Pools Design Center in Benson, NC
The Parrot Bay Design Center

See it in person before you build

Walk real fiberglass shells, compare finishes, tile and coping side by side, and design your backyard with a Parrot Bay designer.

  • Full-size fiberglass pools on display outside
  • Tile, coping, decking and color samples
  • One-on-one design session with a pool professional

194 Federal Rd Ext, Benson, NC 27504 · By appointment