Build the pool now,pay for it on your terms.
We've partnered with HFS Financial — one of the most trusted home-improvement lenders in the country — so getting your Lakeside Pools & Spas project funded is as smooth as the install.
Less paperwork.More backyard.
HFS Financial isn't a single bank — it's a marketplace of top-tier lenders competing for your loan. One quick application gets you matched with the program that fits, with rates and terms most local banks can't touch.
- Loans up to $450,000
- Soft credit pull — no score impact
- Pre-qualify in under 60 seconds
- Fixed rates, no prepayment penalty*
- Funds direct-deposited to you
- No home equity required
*Terms vary by lender — confirm at signing.
Numbers reported by HFS Financial · over a decade of home-improvement lending experience.
Four steps betweenhere and the first swim.
The HFS process is built to feel like booking a flight — not applying for a mortgage. Most homeowners finish the whole thing from their couch.
Pre-Qualify in Seconds
A soft credit check pre-qualifies you instantly — no impact to your credit score.
Pick Your Terms
Choose the rate and payment plan that fits your budget. Plenty of lenders, one application.
Sign Online
E-sign in minutes. Funds land straight in your bank account when you're ready to break ground.
Start Building
We schedule the dig. You start counting weekends until your first swim.
Commonquestions.
Still have one we didn't cover? Call us — we've walked dozens of homeowners through the financing process and we'll do the same for you.
(256) 553-8127Will applying hurt my credit?+
No. The HFS pre-qualification is a soft pull and has zero impact on your credit score. A hard pull only happens if you accept a final offer.
How much can I finance?+
HFS offers loans up to $450,000 — more than enough to cover a complete fiberglass pool, hardscape, and outdoor living package.
How fast do I find out if I'm approved?+
Most homeowners get a pre-qualification decision in under 60 seconds. Final approval and funding typically happen within a few business days.
What credit score do I need?+
HFS works with a wide range of credit profiles. Even if your score isn't perfect, there are options worth exploring.
Do I have to use the loan for the pool only?+
Not at all. You can roll in decking, pavilions, fencing, landscaping, and anything else you want done at the same time.
Is there a prepayment penalty?+
Most HFS lender partners allow you to pay your loan off early with no penalty. Always confirm with your specific lender at signing.
Ready to seewhat you qualify for?
One short form. A real answer. No paperwork until you decide to move forward.