Home Improvement Financing for Pools & Hardscapes

Lyon Financial is a respected financing consultant, in business since 1979. Through their exclusive lenders, they offer financing solutions for swimming pool and home improvement projects nationwide.

Once your application is received, it is reviewed individually by a member of their loan team, who will work to pair you with the program that best matches your needs and qualifications. They also stay involved with you and your contractor throughout the project, and pay your contractor directly in stages as work progresses.

Unlike banks, credit unions, and online lenders, their experience is unique to pools and landscapes, not just any type of loan. They offer long-term loans with low rates, catered for home improvements. Their loan options are unsecured, meaning there are no appraisals or equity required.

Lyon Financial will assist with financing for many home improvement projects, including new swimming pool construction, swimming pool renovation, spas, landscaping, outdoor living, and residential home remodeling. They offer lending solutions for your project and will match your request with a program that fits your budget.

Lyon Financial will look at your overall credit health, including your credit score and debt-to-income (DTI) ratio. Ideally, they like to see a DTI of 50 percent or less. Lyon also looks for any recent negative marks, such as bankruptcies or tax liens.

Lyon is able to offer financing solutions for most applicants with a credit score of 640 and above. There is a minimum credit score of 640 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 Lyon’s lending partners.

Most fundings involve paying the pool builder (Ivy Creek) 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, Lyon Financial will ask that you complete a brief electronic form to verify that the scope of work for that stage has been completed.

There are no prepayment penalties so you can pay the loan off early and not be charged any additional interest. There are no additional builder fees charged either.