Custom pool financing options by Vacation Pools Inc in the Coachella Valley

Financing Your Oasis

Affordable Pool & Spa
Packages

At Vacation Pools, we strive to make pool ownership attainable for as many people as possible. We believe your backyard sanctuary shouldn't be delayed. That's why we've partnered with not one, but TWO of the best lenders in the industry to provide you with every opportunity available to finance your pool with total financial confidence.

Lic # C53-856835

100% Secure Funding

Property Value Boost

A custom pool in the Coachella Valley can increase your home's value by 7-15%. In luxury communities like Indian Wells and La Quinta, the ROI is even higher—buyers expect a pool.

Rental Income Engine

For Airbnb and VRBO hosts in Indio, Cathedral City, and Desert Hot Springs, a pool is the single biggest driver of nightly rates. Your financing payments can be offset by increased rental revenue.

5-Week Build Advantage

Our rapid 5-Week Build-to-Swim benchmark means your financing payments align with results. You could be swimming in your new pool before your third monthly payment is even due.

Our Platinum Partners

We have hand-selected Lyon Financial and Viking Capital as our preferred lending partners. These industry specialists understand the unique needs of Coachella Valley homeowners and provide specialized terms tailored for high-end pool construction and renovation projects.

Lyon Financial

Top Industry Choice

Loans up to $200k with terms out to 20 years and no equity required. 100% unsecured—your home is never at risk.

Simplified consultant-led process from signature to your first swim. Pre-qualify in 60 seconds with no credit impact.

Covers new construction, remodels, resurfacing, equipment upgrades, landscaping, and outdoor living projects.

Apply with Lyon

Viking Capital

Home Improvement Specialist

Flexible loan structures designed specifically for swimming pool construction and major home improvement projects.

Streamlined application with competitive rates. Funds disbursed directly, allowing you to manage your project budget.

Experienced team that understands the Coachella Valley market and the investment value of a custom pool.

Inquire About Viking Capital

Financing

Frequently Asked Questions

What credit score do I need to qualify for pool financing?

Requirements vary by lender, but most homeowners with a credit score of 640 or above will qualify for competitive rates through either Lyon Financial or Viking Capital. Both partners offer a soft credit inquiry process that does not impact your credit score during pre-qualification. Even if your score is below 640, we encourage you to apply—many factors are considered beyond just the number, including income stability and home equity.

How long does the financing approval process take?

Most applicants receive a pre-qualification decision within 60 seconds through our partners' online portals. Full approval typically takes 1-3 business days after submitting documentation. Once approved, funds can be available within a week, allowing us to begin your project immediately. Our 5-Week Build-to-Swim benchmark means you could be swimming within 6-8 weeks of your initial financing application.

What is the difference between secured and unsecured pool loans?

An unsecured loan (like those offered by Lyon Financial) does not require your home as collateral. This means faster approval, no home appraisal needed, and no risk to your property. A secured loan (home equity line of credit) may offer lower interest rates but requires a home appraisal and puts a lien on your property. For most Coachella Valley homeowners, an unsecured pool loan through our partners offers the best combination of speed, simplicity, and competitive rates.

Can I finance a remodel or renovation, not just a new pool?

Absolutely. Both Lyon Financial and Viking Capital offer financing for pool remodeling, resurfacing, equipment upgrades, and complete backyard renovations. Whether you're upgrading to Pebble Tec, converting to a saltwater system, adding a spa, or bringing your equipment into Title 24 compliance, our financing partners cover the full scope of renovation work. Visit our Remodels page to explore the possibilities.

Does Vacation Pools benefit from my loan? Are there hidden fees?

No hidden fees. Our financing partners pay us nothing for referrals. We partnered with Lyon Financial and Viking Capital because they offer the best terms in the pool industry—period. Your loan is between you and the lender. We simply want to remove the financial barrier so you can experience the custom staycation lifestyle that our 40 years of Master Builder expertise makes possible.

What is the typical monthly payment for a pool project?

Monthly payments depend on the loan amount, term length, and interest rate. As a general example, a $50,000 custom pool financed over 15 years at competitive rates could have monthly payments comparable to a modest car payment. A $25,000 resurfacing project financed over 7 years would be even lower. Both Lyon Financial and Viking Capital provide instant payment calculators on their application pages so you can see real numbers before committing.

Ready to Discuss Your Project?

Schedule a complimentary design consultation. Our team will walk you through costs, timing, and how financing can make your dream pool a reality. To inquire about the financing option that would best suit your needs, please contact our office to speak with one of our specialists.

Contact Our Team Call (760) 775-0468

Affordable Pool & Spa Packages