Your dream backyard doesn’t have to wait. Financing makes it possible now.
Spartan Pool and Patio works with financing partners to help Oklahoma City homeowners access the funding they need for new pool construction, remodeling, outdoor living upgrades, equipment improvements, and more.
You have several options for financing. Check them out below and contact us if you have questions.
Lyon Financing offers financing for new pools and remodels. Click below to see the financing calculator and apply.
HFS Financing offers financing to finance your new pool construction. Check out their loan calculator and apply.
Hearth offers financing for remodels, pool equipment, accessories, and patio furniture. Click to apply.
Before applying for financing, get a quick estimate of what you’re looking at using our pool price calculator.
In addition, a consultation with our team also gives you a more precise number based on your specific property and project goals.
Going into the financing conversation with an accurate project cost in hand produces better outcomes than applying for a general amount and adjusting later.
What credit score is required to finance a pool with Spartan?
Credit requirements vary by lender and financing product. Spartan works with financing partners who offer options across a range of credit profiles, and the team can help guide you through the process to identify what is available based on your situation.
The best way to understand your specific options is to submit an application and review what comes back. Many homeowners are surprised by what they qualify for.
Can I pay off my pool financing early?
Most financing plans allow for early payoff, though terms vary by lender and product. Some plans include a prepayment penalty and others do not. Reviewing the specific terms of any financing agreement before signing is always the right approach. Please check with your financing institution can confirm the specifics of your agreement.
Is financing a smart financial decision for a pool?
For most homeowners, yes. A pool is an investment in your property and your quality of life, not a consumable purchase. Financing allows you to build at today’s pricing rather than waiting years while construction costs continue to rise. It also preserves cash that might otherwise be tied up in a single large purchase, giving you flexibility for other priorities. The key is understanding the total cost of financing, including interest, and confirming that the monthly payment fits comfortably within your budget. Spartan encourages every homeowner to review financing terms carefully and ask questions before committing.
Can I use my own bank or financial institution for pool financing?
Yes. Spartan accepts payment from any financing source (or cash payments). If you have an existing relationship with a bank or credit union that offers favorable home improvement or personal loan terms, you are welcome to use that. Spartan can provide the project documentation your lender needs to process the application. Many homeowners find that comparing the terms available through Spartan’s financing partners with their own bank’s options gives them the best picture of what is available.
What is the typical interest rate for pool financing?
Interest rates vary based on the lender, the financing product, the loan amount, and your credit profile. Spartan’s financing partners offer competitive rates, but the specific rate you receive depends on your individual qualifications. Reviewing your options through the application process and comparing them to alternatives available through your own financial institution gives you the most complete picture of what financing will actually cost.
How much can I finance for a pool project?
Financing limits vary by lender and by your qualifications. Most custom pool projects in the Oklahoma City area range from $70,000 to $150,000 or more, and financing options are generally structured to accommodate projects in that range for qualified applicants. The lender can help you understand what financing amounts are typically available and how to match financing to your specific project cost.
Does financing cover outdoor living features in addition to the pool?
Yes. Financing can often be applied to a combined project that includes both a pool and outdoor living features such as patios, pergolas, outdoor kitchens, and fire features. Building these elements together as a single financed project is often more efficient than financing them separately at different times. Spartan can scope the full project and help you understand the financing options for the combined investment.
How long does the financing application process take?
Application processing times vary by lender but are generally straightforward. Many applicants receive a decision relatively quickly after submitting a complete application. Spartan’s team can walk you through what to expect from the specific financing partners it works with so you can plan your project timeline accordingly.
