Five trusted lenders. One easy decision. Find the financing that fits your situation. Most start with a soft credit check that does not affect your score.
At Kayak Pool Guys, we believe owning your dream pool should be straightforward, not stressful. That’s why we’ve partnered with five of the most respected names in home-improvement lending. Each one of these lenders specializing in a different type of loan, so you can match your financial situation to the option that gives you the best chance of approval and the lowest cost of borrowing.
Below, we’ve organized our partners by what they do best. Take a moment with each one. The right loan isn’t always the one with the lowest advertised rate. It’s the one that fits **your** credit profile, your equity position, and your timeline.
HFS Financial has been doing pool loans since 1979 and specializes almost exclusively in unsecured pool and home-improvement financing. If you want the simplest, lowest-risk place to begin your search, this is it. A 60-second rate inquiry tells you what you qualify for without touching your credit score, and most loans fund directly to your bank within a week.
– Soft credit pull — checking your rate has zero impact on your score
– No home equity required — they don’t put a lien on your property
– Loan amounts from $5,000 up to $500,000
– Fixed rates with terms up to 20 years
– Funds wired directly to you, putting you in control
– No prepayment penalties
Lyon Financial is a 47-year-old pool-financing specialist with more than 800,000 funded customers and the longest terms in the industry — up to 30 years on the right credit profile. Stretching the term lowers your monthly payment, which is why families on a fixed budget often land here. Lyon is also veteran-owned and operated, with reduced fees for active-duty military and veterans.
– Terms up to 30 years — the lowest possible monthly payment
– Loan amounts up to $200,000
– One careful soft pull, matched to the best lender for your profile (no shotgunning your credit to dozens of banks)
– Reduced fees for active-duty military and veterans
– A real human reviews every application — no robotic underwriting
– Stage funding paid directly to your builder for added peace of mind
Not every credit profile fits the standard mold, and that’s exactly where VistaFi shines. They consider all credit profiles, work with a wide network of lenders, and assign you a dedicated loan consultant who stays with you from first inquiry to final disbursement. If HFS or Lyon hasn’t been able to find you a fit, this is your next move.
– Soft credit check on inquiry, no impact to your score
– All credit profiles considered, not just A-paper borrowers
– Funds available in as little as 48 hours after approval
– Flexible disbursement, money goes to you or directly to your contractor
– One dedicated loan consultant from start to finish
– Minimal documentation compared to a traditional bank or credit union
GreenSky offers something the other lenders on this page don’t: promotional plans that let you pay zero interest if you pay the balance in full during the promotional window (typically 6 to 24 months). Think of it as a “same-as-cash” path, perfect if you’re expecting a year-end bonus, a tax refund, a home sale, or you simply have the cash flow to knock the loan out quickly.
– Promotional plans with deferred interest, pay $0 in interest if you pay in full during the promo
– Loan amounts up to $100,000
– No home equity required
– Fast, point-of-sale application that works with your contractor
– Same-day or next-day funding in many cases
Figure is the #1 non-bank HELOC lender in the country and offers something none of the other partners on this page can match: rates secured by your home equity, which are typically the lowest rates available anywhere. Because the entire process is online with an automated valuation model, most buyers can be approved in as little as 5 minutes and funded in 5 days, no in-person appraisal required.
– Among the lowest interest rates available, because the loan is secured by your home equity
– Borrowing power up to $750,000
– 100% digital application, approved in minutes, funded in days
– No in-person appraisal required in most cases
– Choice of fixed or variable rates
– A+ rated by the Better Business Bureau
A HELOC is secured by your home, which means your house is collateral. The trade-off for the lowest rate is real risk: if you fall behind on payments, your home is on the line. Figure also requires a 100% upfront draw of the approved amount at closing, so plan accordingly.
For all five of our partners, the initial inquiry is a soft credit pull that has no impact on your score. A hard pull only happens if you formally accept a specific loan offer.
Not at all. Four of our five partners (HFS, Lyon, VistaFi, GreenSky) offer unsecured personal loans that don’t touch your home equity. Only Figure uses home equity (HELOC), and that’s a deliberate choice you’d make to access the lowest possible interest rate.
It varies, but most of our partners can fund within 48 hours to one week of final approval. GreenSky and Figure are typically the fastest.
Each lender has its own threshold. HFS works with scores around 630+; Lyon prefers 660+; Figure requires 620+; VistaFi considers all credit profiles. The fastest way to find out where you stand is to check your rate with two or three of them.
None of our recommended partners charge prepayment penalties on their standard programs. You can pay early and save on interest.
In some cases, yes, particularly with Lyon and VistaFi, which can structure multiple loans on a single project. Talk to the lender about your specific situation.
