Should I Finance or Pay Cash?

A backyard pool is more than a luxury—it's an investment in your home, your lifestyle, and your family's lasting memories. As experienced pool builders, we've worked with countless homeowners across the U.S. to transform ordinary backyards into stunning oases. When it comes to making your pool project happen, many wonder whether to dip into savings or consider financing options.

At Texas Custom Outdoors, we've partnered with trusted lenders like Lyon Financial to help families bring their visions to life without unnecessary delays or financial strain. While paying cash upfront might feel straightforward, financing often proves to be the smarter, more flexible choice for your budget and future plans. Here's why opting for financing could be the best way to jumpstart your pool build and maximize your enjoyment.

Kick Off Construction Without the Wait

Financing lets you break ground immediately, rather than saving up for years on end. This means you can secure our team's availability during peak seasons, lock in today's competitive material and labor prices, and start splashing around sooner. Delaying could lead to extended wait times, lost opportunities for family fun, and inflated costs as prices rise.

Strategic Financial Planning for Lasting Benefits

By choosing financing, you can invest in a high-quality pool without jeopardizing your overall financial health. Here's how it pays off:

Keep Your Savings Intact

Life throws curveballs—medical emergencies, job shifts, or home repairs. Financing ensures your cash reserves stay put for true needs, instead of being wiped out in one go. Plus, those funds can keep growing in savings accounts or investments, earning interest while your pool enhances your property.

Protect Against Market Fluctuations

In an unpredictable economy with inflation or shifts in the market, maintaining a cash buffer brings real security. Financing your pool upgrade means elevating your outdoor living space without emptying your accounts.

Align Costs with Decades of Enjoyment

A well-built pool delivers value and fun for 15 to 30 years or longer. Financing spreads payments over time, matching the expense to the enduring benefits, rather than paying everything upfront for a long-term asset.

This approach delivers both security and steady budgeting, helping you stay resilient while we construct your ideal backyard retreat.

Boost Your Credit While Building Your Dream

Working with financing partners like Lyon Financial can strengthen your credit history. Consistent on-time payments show reliability to lenders, potentially raising your score and unlocking better rates for future endeavors—like additional home improvements.

Incorporate Premium Features from Day One

Financing opens the door to elevating your project beyond basics, all within reach of your budget. Imagine adding:

* Gourmet outdoor kitchens or cozy fire pits

* Expansive patios, elegant pergolas, or secure fencing

* Ambient custom lighting, lush turf, or professional landscaping