Financing

Cody Pools Tampa – Flexible Financing for Your New Pool

Building a custom pool is one of the most exciting upgrades you can make to your home — and having the right financing plan makes the journey smoother from start to finish.
At Cody Pools Tampa, we work with reputable lending partners who offer competitive rates, flexible terms, and fast pre-approvals. Our goal is to give you a financing experience that’s simple, transparent, and designed to support your vision for your outdoor space.

Whether you’re planning a full backyard transformation or adding a beautiful new pool to enjoy Tampa’s year-round sunshine, we’re here to help you find a payment option that fits your needs.

Popular Pool Financing Options

Most Tampa homeowners choose to finance their new pool to spread costs comfortably over time. Depending on your financial goals and qualifications, you may have several options available. Here are three common ways to fund your project:

Home Equity Financing

If you’ve built equity in your home, a home equity loan, HELOC, or second mortgage may offer some of the lowest interest rates available. These options use your home as collateral, which often results in favorable terms.
However, newer homeowners or those without substantial equity may find this option limited. Your lender can help determine whether home equity financing is the right fit.

Unsecured Personal Loans

Unsecured personal loans don’t require collateral and can be a simple, straightforward way to finance your pool. Homeowners with strong credit may qualify for attractive rates and quick approvals.
Just keep in mind that terms, rates, and loan amounts depend heavily on your credit profile.

Credit Cards

Credit cards can seem convenient, but they’re usually not the best tool for financing a major project like a swimming pool. High interest rates can increase the total cost significantly if you’re unable to pay off the balance quickly.
Additionally, many pool builders limit the amount that can be placed on a credit card due to processing fees — so always verify before relying on this method.

How Your Credit Score Impacts Pool Financing

Your credit score plays an important role in the rates and terms lenders can offer. Before applying for a pool loan, take a moment to review your credit report for accuracy.
If you want to boost your score, paying down revolving balances (especially credit cards) can help lower your utilization ratio — a key factor lenders consider. Better credit typically means better loan options.

HFS Home Improvement Loans

HFS – “You Dream It, We Finance It”

HFS has one-of-a-kind loan programs and world-class service as shown by 1,500 + 5-star Reviews.  HFS’s platform loans are personal loans which mean NO EQUITY is needed and all loans fund 100% Direct-to-Consumer.  HFS performs a soft credit check to present you with full loan options.  You can check your rates HERE with NO IMPACT TO YOUR CREDIT.  Whether you want to finance the pool, deck, landscaping and more, HFS is your trusted partner for the best loan and customer service in the home improvement industry.  APPLY NOW

• No Impact on Credit to Apply
• Personal and unsecured Loans
• Every $50k as low as $358/month
• Every $100k as low as $716/month
• Terms up to 20 Years
• Loans up to $500,000

Lyon Financial - Pool Financing

Since 1979, Lyon Financial has worked as a specialist in pool financing solutions.

We offer terms up to 30 years, no consulting fees, no prepayment penalties, and low, fixed rates. Unlike many banks and credit unions, our experience is unique to swimming pools, not just any type of loan. Your call will always be answered by a live, knowledgeable representative, eager to offer solutions. Partner with the industry’s leader to make your backyard dreams come true!

  • Low, fixed rates – no variables
  • Terms up to 30 years
  • Loans up to $200,000
  • No consulting fees
  • No prepayment penalties
  • No equity or appraisals required
  • Special programs military programs, where available
  • Partner with both homeowner and builder until project is complete
LightStream Pool Loans

LightStream by Truist is the nation’s premier online unsecured loan.

We offer low-interest, fixed-rate loans from $5,000 to $100,000 for practically any purpose.

LightStream loans are offered by Truist, and we believe that good-credit customers deserve a fast and easy loan process, incredible service and excellent rates.

Customers can apply from the website or mobile app and receive funds directly deposited into their account as soon as the same day they apply.

Apply today to get the funds you want for what matters to you. 

Viking Capital Swimming Pool Loans

Viking Capital swimming pool loans are designed to spread the cost of the project over many years, so the monthly payments are affordable. The smiles start here!

The decision to build an inground swimming pool is a big one. It is a big financial investment, but it’s also a huge quality of life investment.

Every team member has the determination and know-how to provide you with a 5-Star worthy experience. You’ll feel like the valued customer you are. Click below to start your Pre-Approval process.