Three simple steps to your backyard.
Design Your Pool
We start with your custom 3D design and a transparent, itemized quote — so you know the real number before you ever think about financing.
Check Your Qualification
Apply directly with one of our trusted lending partners. Pre-qualification uses a soft credit check — no hard pull, so checking your options won't affect your credit score.
Build Now, Pay Over Time
Once you're approved, we get to work. You enjoy your backyard this season and pay for it over time through a plan that fits your budget.
Financing is provided by independent third-party lenders. All loan terms, rates, and approvals are determined solely by the lender based on your application and qualification.
A smarter way to build the backyard you want.
A custom pool is one of the few home improvements that pays you back in everyday use — weekends at home, long Texas evenings outside, a place the whole family actually gathers. For most homeowners, financing is what turns that from a someday plan into this season’s reality. Rather than waiting years to save the full amount, you build now and spread the cost over a term that fits your budget, while enjoying the pool the entire time you pay for it.
Pool financing works much like other home-improvement lending. Our partners, Lyon Financial and Viking Capital, specialize specifically in backyard projects, which means their programs are built around how pools are designed, permitted, and built — not a generic personal loan. You apply directly with the lender, pre-qualify with a soft credit check that does not affect your score, and review the terms before committing to anything.
Because we provide a transparent, line-item quote before financing ever enters the picture, you always know the real cost of your project up front. That clarity makes it simple to choose a term and monthly payment you are comfortable with — no surprises, from the first design meeting through your first swim. To understand what drives the total, read our 2026 custom pool cost guide, or see our full guide to pool financing options in Texas.
Enjoy it now — not five summers from now.
Keep Your Savings Intact
Build the backyard you want without draining your cash reserves or emergency fund — keep your money working where you need it.
Soft Pull to Pre-Qualify
Checking your options is a soft credit inquiry — no hard pull, no impact on your score to see where you stand before you commit.
Start This Season
Don't wait years to save up. Finance now and enjoy your pool while the Texas summers are long and your family is home to use it.
Plans That Fit Your Budget
Our partners offer a range of terms, so you can match monthly payments to what works comfortably for your household.
Finance the Whole Vision
In most cases financing can cover the pool plus decking, a spa, water features, and outdoor living — so you build it all at once instead of in pieces.
Add Value to Your Home
A well-designed custom pool and outdoor living space is a lasting upgrade to your property, not just a seasonal splurge.
What affects your rate and terms.
Final rates, terms, and approval are set by the lender, not by us — but it helps to understand the main factors that shape the offer you receive, so there are no surprises when you apply.
Credit profile
Your credit history and score are the biggest factors in the rate and term a lender offers. Pre-qualifying with a soft pull lets you see your options without any impact.
Loan amount & term
The size of your project and the length of the term you choose both shape your monthly payment. Longer terms lower the monthly cost; shorter terms reduce total interest.
Down payment
Some programs allow little to no money down, while a larger down payment can improve your terms. Our partners walk you through the trade-offs.
Lender program
Lyon Financial and Viking Capital each offer different products built for backyard projects. Comparing both helps you find the structure that fits your situation best.
Rates change. Family time doesn't have a price.
Adjust the numbers to see a rough monthly payment. This is a planning estimate only — your actual rate and term come from the lender when you apply.
Rates shown are illustrative and change with the market — your lender sets the real number at application.
Specialists in pool & backyard financing.
Lyon Financial
A long-standing specialist in swimming pool and backyard financing, Lyon offers programs built specifically for custom pool projects.
Apply with Lyon Financial →Viking Capital
Viking provides dedicated pool and home-improvement lending, with a fast, straightforward application designed around backyard builds.
Apply with Viking Capital →J. Oliver Custom Pools and Design is not a lender and does not provide loans or credit. Lyon Financial and Viking Capital are independent companies; we refer homeowners to them as a convenience.
Your questions, answered.
Do you offer pool financing?+
Yes. We work with trusted third-party lending partners — Lyon Financial and Viking Capital — so you can build your custom pool now and pay over time. You apply directly with the lender, and we help guide you to the right starting point.
Will checking my financing options affect my credit score?+
No. Pre-qualification with our lending partners uses a soft credit check, which does not affect your credit score. You can see whether you qualify before any hard inquiry is made.
Who are your lending partners?+
We refer homeowners to Lyon Financial and Viking Capital, both of which specialize in swimming pool and backyard financing. Loan terms, rates, and approval are determined directly by the lender based on your qualification.
How do I find out what I qualify for?+
You can check your qualification directly with the lender through a quick application. Because it's a soft pull, you can review your options with no impact to your credit. Contact us and we'll point you to the right place to start.
Can I finance the whole project, including outdoor living?+
In most cases, yes — financing can cover the pool as well as decking, spas, water features, and outdoor living elements. The exact amount depends on your approval and the lender's terms.
How much do I need for a down payment?+
It depends on the lender and program. Some backyard-financing products allow little to no money down, while a larger down payment can improve your rate or term. Our partners will walk you through the options when you apply.
What loan terms are available?+
Our partners offer a range of terms so you can balance the monthly payment against the total cost. A longer term lowers your monthly payment; a shorter term reduces the interest you pay overall. The lender presents the specific options you qualify for.
Is J. Oliver Pools the lender?+
No. J. Oliver Custom Pools and Design is not a lender and does not provide loans or credit. Lyon Financial and Viking Capital are independent companies; we refer homeowners to them as a convenience, and all terms and approvals come directly from the lender.
Can I finance a pool renovation, not just a new build?+
Yes. Financing can be used for renovations and additions — resurfacing, new decking, adding a spa or water features — not only brand-new pools. Talk to us about your project and we'll point you in the right direction.
See what you
qualify for.
Checking is a soft pull — it won't affect your credit. Reach out and we'll point you to the right place to start.