Financing
Pool Financing, Without the Runaround
A new pool or a full renovation is a real investment, and most of the projects we build are financed. Our preferred lender is Lyon Financial — swimming pool financing specialists since 1979 — but the honest truth is any funding path works with us. We build the pool; you pick the money.
Three steps, in the order that protects you
The quote comes first — always. Borrowing against a guess is how backyard projects go sideways.
- 1
Get your itemized quote
We design the project and give you a free, itemized number — pool, decking, equipment, extras, each on its own line. You size the borrowing to the real project, not a guess.
- 2
Apply online
Apply with Lyon Financial online, or take our quote to your own bank or credit union. Approval, rates, and terms come directly from the lender — we stay out of your loan.
- 3
We build
Once funding is in place, we schedule the work. Payments follow a construction draw schedule that tracks completed work — never most of the money before the dig.
Preferred Lender
Why we point people to Lyon Financial
Customers kept asking us where to even start with pool loans, so we found a lender that does nothing but this. Lyon has financed swimming pools and outdoor projects since 1979 — they know what a gunite construction schedule looks like, and their process runs online from application through funding.
- Swimming pool financing specialists since 1979
- Loan amounts up to $250,000, terms up to 30 years
- Online application with a dedicated team from approval to funding
- Reduced-fee program for veterans and active-duty military
Applications, approvals, rates, and terms are handled entirely by Lyon Financial and are subject to credit approval. Current loan details are on Lyon's site.
Any funding path works
Lyon is our preferred lender, not a requirement. Plenty of our customers pay cash or borrow through their own bank, credit union, or home equity — and it makes no difference on our end. Your quote is the same itemized number either way.
That itemized quote is what makes any of it work: the pool, decking, and equipment broken out line by line, so you can borrow against real figures instead of a guess.
Not sure what a project runs out here? Start with our breakdown of what a pool costs in East Texas.
What It Covers
Projects our customers finance
New pool construction
Custom gunite pools across Houston, Trinity, Anderson, Leon, Walker, and Madison counties — the most common financed project by far.
Renovations & resurfacing
Full remodels, replastering, retiling, and structural changes — bring a tired pool back without draining savings all at once.
Outdoor living
Kitchens, pergolas, covered patios, fire features, and hardscaping — often financed together with the pool they surround.
Equipment overhauls
Pumps, heaters, automation, and salt systems — smaller tickets, but financeable when they stack up.
FAQ
Pool financing questions
Do you offer pool financing?
We don't lend money ourselves — we build pools. But most of the projects we build are financed, and we've made the process simple: get an itemized quote from us, then apply with our preferred lender, Lyon Financial, or take the quote to your own bank or credit union.
Who is Lyon Financial?
Lyon Financial is a lender that has specialized in swimming pool and outdoor living financing since 1979. They understand what a gunite construction schedule looks like, their application runs online, and they assign a dedicated team from approval through funding. All applications, approvals, rates, and terms come from Lyon directly.
Do I have to use Lyon Financial?
No. Lyon is our preferred lender, not a requirement. Plenty of our customers pay cash or borrow through their own bank, credit union, or a home equity loan. Your quote is the same itemized number either way.
Can I finance a renovation or resurfacing, not just a new pool?
Yes. Renovations, resurfacing, outdoor living projects, and larger equipment overhauls are all commonly financed. Any project we quote can be taken to a lender.
Does financing change the price of the pool?
No. Our quote is the same whether you pay cash or finance. Loan costs — interest, fees, and terms — are between you and the lender and are separate from what we charge to build.
Sam Houston Pools and Outdoors is a pool builder, not a lender, and does not originate, broker, or service loans. Financing is provided by third-party lenders, including Lyon Financial, and all applications, approvals, rates, and terms are between you and the lender, subject to credit approval. Nothing on this page is financial advice — for the “what should I do” conversation, talk to your banker, lender, or financial advisor.
Let's Talk
Ready to talk about your pool?
Tell us what you need and we'll get back to you fast — usually the same day.