Flexible Financing Options for Your Custom Pool

Top-down view showing the geometric pool and attached spa with clean concrete decking at this Eraland’s Custom Pools project in El Paso, TX.

Pool Financing Options for Your New Backyard

Building the backyard you’ve been imagining doesn’t have to feel out of reach. Eraland’s Custom Pools partners with trusted home-improvement lenders who offer financing options for new pool construction, remodeling projects, and full outdoor living upgrades.

Our role is simple: We connect you with reputable lending partners, answer project-related questions, and help you understand how financing fits into the construction process. All loan decisions, rates, and terms are determined by the lender.

Built for El Paso Backyards

Why Homeowners Choose Our Financing Partners

Fast, secure online applications
A range of loan options based on lender criteria and applicant qualifications
Competitive rates and flexible repayment terms (varies by lender and credit profile)
Financing may be used for pools, spas, decking, and select outdoor living features
Applications are completed directly through secure, lender-hosted portals
Applications submitted through these links are tagged to Eraland’s Custom Pools, allowing our team to help coordinate next steps

Eraland’s Custom Pools does not provide loans or make lending decisions — we simply connect you with financing partners that specialize in pool and outdoor living projects.

Our Process

How Pool Financing Works

Explore Your Financing Options

Some lenders, such as Viking Capital, offer soft-pull pre-qualification so you can review potential loan options without impacting your credit score. Other lenders may require a full application as part of their process.

Review Your Project & Budget

During your design consultation, we review estimated costs for your pool or backyard project and answer any questions so you can make an informed decision before applying.

Apply Through the Secure Lender Portal

When you’re ready, you’ll complete your application directly through the lender’s secure, online portal using our partner link.

Receive a Decision & Finalize Your Design

Once financing is approved, we finalize project details such as materials, features, and timelines. Construction begins after funding is in place and all agreements are complete.

Financing approval and terms are determined solely by the lender. Pre-qualification does not guarantee final approval.

Financing Options

Our Financing Partners

Eraland Custom Pools does not provide lending services and is not a lender. Financing is offered through third-party providers. Financing information is provided for convenience only and is subject to change. Homeowners should review all loan terms carefully and consult a financial professional if needed before entering into any financing agreement.

Lyon Financial

Soft-Pull Pre-Qualification & Specialized Pool Financing

See Why homeowners choose Lyon Financial
Lyon Financial is a long-established pool and home-improvement financing provider that focuses on helping homeowners fund swimming pool builds, renovations, and outdoor living projects.

They’ve been in the industry since 1979 and offer tailored loan options with flexible terms designed to fit a range of budgets.
- Soft-pull pre-qualification available (initial check without impacting credit) before hard inquiry for approval.
- Long-term loan structures, with terms up to 30 years for more affordable monthly payments.
- Competitive fixed interest rates and predictable payments with no prepayment penalties.
- Specialized in pool and outdoor living financing, with options up to ~$200,000* and support throughout your project.
- No home equity required — loans are typically unsecured and do not require appraisals or liens on your home (terms vary by applicant)
Lyon Financial works directly with you and your pool contractor, providing personal support and guidance from application through funding — helping make your backyard project easier to plan and finance.

Visit Lyon Financial

Disclaimer: Lyon Financial is an independent financing company. Loan programs, interest rates, terms, and eligibility requirements vary by applicant and are subject to credit approval. Pre-qualification does not guarantee final approval. Eraland Custom Pools does not control or influence lending decisions and is not responsible for financing terms, availability, or funding timelines.

Viking Capital

Soft-Pull Pre-Qualification & Expert Consultation

See Why homeowners choose Viking Capital
Viking Capital is a nationwide pool financing partner that specializes in helping homeowners like you explore customized financing options for your pool project.

They act as a consultant between you and multiple lenders to find loan terms that fit your needs — and they start with a soft credit pull, so you can see potential options without affecting your credit score.
- Soft-pull pre-qualification (no impact on your credit score during initial review).
- Free consultation with a loan specialist to discuss your goals and potential loan structures
- Fast decisions and funding, with approvals often as quickly as within 24 hours and funding in a few days (varies by lender).
- Flexible loan options, including unsecured swimming pool loans and terms tailored to your situation.
- Guidance through the process, so you understand potential monthly payments, terms, and structure before moving forward.
Viking helps you get a clearer picture of what you may qualify for and can bundle additional home improvement projects into your financing if needed.

Visit Viking Capital

Disclaimer: Viking Capital is a third-party financing provider. Loan approval, rates, terms, and funding timelines are determined solely by Viking Capital and their lending partners. Soft-pull pre-qualification does not guarantee approval and may require a hard credit inquiry to finalize a loan. Eraland Custom Pools is not responsible for lending decisions, loan terms, or changes to financing offers.

HFS Financial

Soft-Pull Pre-Qualification & Personal Loan-Style Financing

See Why homeowners choose HFS Financial
HFS Financial offers personal-loan style financing tailored for swimming pool projects and other home improvements. Their platform lets you explore loan options through a soft credit inquiry, so you can see potential terms without impacting your credit score before completing a full application.
- Soft-pull pre-qualification — check possible loan terms with no initial credit score impact.
- Simple, fast online process — start with a quick inquiry and get connected to loan options efficiently.
- Personal loan-style funding — loans are typically unsecured (no home equity required), and funds are disbursed directly to you so you control how they’re used.
- Flexible use for backyard projects — you can include associated outdoor living costs in the same loan.
- Competitive fixed-rate terms — options with fixed interest and repayment terms up to around 20 years (may vary by applicant).
HFS Financial is a useful option for homeowners who want an easy, online-focused financing experience with funds sent directly to them for project flexibility.

Visit HFS Financial

Disclaimer: HFS Financial provides access to personal loan-style financing through third-party lenders. Loan approval, rates, repayment terms, and allowable uses of funds depend on lender criteria and applicant qualifications. Pre-qualification may require additional verification before approval. Eraland Custom Pools does not offer financial advice and is not liable for loan terms or lending outcomes.

Upstart

Online Personal & Home Improvement Loan Options

See Why homeowners choose Upstart
Upstart is an online lending platform that connects borrowers with personal and home improvement loans for pool projects and other major expenses. They use a modern underwriting approach that considers more than just traditional credit scores and allows you to check your rate with a soft credit inquiry that won’t affect your credit score.
- Soft-pull pre-qualification available — check potential loan terms without impacting your credit score.
- Flexible personal loan amounts — typically from around $1,000 up to $75,000, which can be used for pool construction and backyard projects as part of a broader home improvement plan.
- Unsecured loan options — no home equity required, so your home isn’t used as collateral.
- Fast online process — rate checks can take just minutes, and funds may be deposited as soon as the next business day after approval.
- Fixed repayment terms — typically 3–5 years for personal or home improvement loans, giving predictable monthly payments.
Upstart’s loans are versatile and can be a good fit for homeowners who want a quick, online-focused financing solution that doesn’t require home equity and lets you see potential loan costs upfront.

Visit Upstart

Disclaimer: Upstart is a third-party lending platform that connects borrowers with participating lenders. Loan availability, rates, terms, and funding speed vary by applicant and lender approval. Checking your rate typically involves a soft credit inquiry, but final approval may require a hard credit check. Eraland Custom Pools is not affiliated with Upstart and does not guarantee loan approval or financing terms.

Not sure which option fits your project?
Many homeowners start with a soft-pull pre-qualification to explore their budget before finalizing a design.

Not Sure Which Lender to Choose?

We’re Here to Help.

Every lender evaluates applications differently and offers unique features, terms, and processes. During your design consultation, our team can help explain the general differences between financing options and how they may align with your project size, timeline, and goals.

What we do not do:

Approve or deny financing applications
Recommend lenders based on credit score or financial history
Influence loan terms, funding amounts, or interest rates

All financing applications are completed directly with the lender through secure portals, and lending decisions are made independently of Eraland’s Custom Pools.

Financing FAQs

Frequently Asked Questions

Does Eraland's Custom Pools offer financing directly?

No. Eraland’s Custom Pools does not provide lending services and is not a lender. We partner with third-party financing providers who specialize in pool and home-improvement loans. All applications, approvals, and loan terms are handled directly by the lender.

Will checking my financing options affect my credit score?

Some of our financing partners offer soft-pull pre-qualification, which allows you to explore potential loan options without impacting your credit score. Final approval may require a hard credit inquiry, depending on the lender and loan program.

Can financing be used for more than just the pool?

In many cases, financing may be used for related backyard features such as spas, decking, and outdoor living elements. Eligible uses of funds vary by lender and loan type, so homeowners should confirm details directly with the lender.

Do I need home equity to qualify for pool financing?

Many of our financing partners offer unsecured loan options that do not require home equity, appraisals, or liens. Availability, terms, and eligibility depend on the lender and applicant qualifications.

Can Eraland's Custom Pools help me choose the right lender?

We can help explain the general differences between financing options and how they may align with your project size and goals. However, we do not approve or deny applications, recommend lenders based on credit score, or influence loan terms, rates, or funding decisions.

Financing Disclaimer

Eraland’s Custom Pools does not provide, broker, approve, or negotiate financing. All loan decisions, rates, terms, and qualifications are determined solely by the lender. Pre-qualification with Viking Capital is a soft inquiry; a full loan application with any lender may require a hard credit check. Loan availability, terms, and approval are not guaranteed.