Pool Financing Options in Katy & Greater Houston
Yes — Texas Custom Outdoors works with three financing partners, and most of our clients use one of them. We're the builder, not the lender: you apply directly, they set your rate and terms, and we build.
Most homeowners are surprised how close a pool payment lands to a car payment. The difference is that the pool is still in your backyard in fifteen years. Below is what each of our three partners actually offers, so you can tell in a few minutes which one fits your situation.
Financing Your Dream Pool: Affordable Luxury Within Reach
Owning a custom pool and outdoor retreat is easier than you think! With financing options similar to a car loan, Texas Custom Outdoors makes it possible to enjoy your dream backyard without the stress of a large upfront payment.
Our flexible financing plans allow you to spread the cost of your pool over time, ensuring comfortable, budget-friendly payments. With competitive rates and terms from our trusted financing partners, you can make your backyard paradise a reality sooner than you imagined.
Let’s find the best financing plan for you! Contact us today and take the first step toward enjoying your new pool.
Three Ways to Finance Your Pool
Lyon Financial — The Backyard Specialist
Lyon has financed pools and outdoor projects since 1979 and does very little else. That focus shows up in the details — they understand construction draw schedules and don't get surprised by how a pool build actually pays out. Loans go up to $250,000 with terms out to 30 years, unsecured, and funds can be disbursed to you or directly to us as the project progresses.
Lyon also runs a military program with reduced fees for veterans and active-duty service members. As a veteran and former law enforcement owned company, this is the partner our military clients most often end up choosing.
Best if you're a veteran, or you want a lender who has done nothing but backyards for four decades.
HFS Financial — No Home Equity Required
HFS is a loan broker rather than a single bank, so one inquiry puts your project in front of a network of lenders instead of a single underwriting desk. Loans run from $3,000 to $450,000 with terms up to 30 years, and the programs they place carry no prepayment penalties.
Nothing is secured against your house — no equity required, no lien on the property. Their initial inquiry takes about a minute and uses a soft credit pull, so seeing your options doesn't affect your score. Funds go to you rather than to us, and can arrive as soon as one day after approval.
Best if you'd rather not touch your home equity, or you want the widest range of lenders from one application.
Frost Bank — The Texas Bank Option
Frost is a Texas bank with the full range: unsecured personal loans, personal lines of credit, home improvement loans, and home equity loans and lines of credit. If you already bank with Frost, or you have real equity and are comfortable securing the loan against your home, this is usually the least expensive money of the three.
Two things to know going in. Texas law caps home equity borrowing at 80% of your home's appraised value, and the property has to be in Texas. Frost's personal loan advisors will walk you through which product fits — (866) 376-7889.
Best if you have equity, want the lowest cost, and don't mind the loan being secured.
Which Lender Is Right for You?
If you…
Don't want a lien on your home?
Start With
HFS or Lyon
Want the widest lender network from one application?
HFS
Already bank with Frost, or have strong home equity?
Frost
Are a veteran or active-duty service member?
Lyon
Are financing a larger project?
HFS (to $450K) or Lyon (to $250K)
Need to move quickly?
HFS or Lyon
Want funds paid to the builder on a draw schedule?
Lyon
Not sure? Apply with more than one. Inquiries within a short window are typically treated as a single credit event, and comparing two real offers beats guessing.
What You'll Need to Apply
Each lender is a little different, but plan on a project estimate from us, proof of income, your Social Security number for the credit check, and basic details about the property. We can get you a signed estimate right after your design consultation, which is what most lenders want before they finalize an amount.
One piece of advice worth more than it sounds: borrow for the whole backyard, not just the pool. If a spa, decking, an outdoor kitchen or a patio cover is anywhere in your thinking, include it now. It is far easier to finance once than to come back in two years and do it again.
Pool Financing Questions We Get Asked
Does Texas Custom Outdoors offer financing?
Yes. We work with three financing partners — HFS Financial, Lyon Financial and Frost Bank. We don't lend money ourselves; you apply directly with the lender, and we build once you're approved.
How long are pool loan terms?
HFS Financial and Lyon Financial both offer terms up to 30 years. Longer terms lower the monthly payment and raise the total interest paid, so pick the shortest term you're comfortable with.
Do I need home equity to finance a pool?
No. Both HFS Financial and Lyon Financial offer unsecured financing with no equity requirement and no lien on your home. Frost Bank offers both unsecured personal loans and equity-based products.
How much can I borrow for a pool?
HFS Financial places loans from $3,000 to $450,000. Lyon Financial lends up to $250,000. Frost Bank amounts depend on the product and your qualifications.
Start With a Free 3D Design
Financing conversations go better with a real number attached. Book a design consultation and we'll build your backyard in 3D and put a written estimate in your hands — no cost, no obligation. Take that estimate to whichever lender fits you best.
Explore Options
Quickly and easily estimate your monthly payments for a pool or home improvement loan with this simple loan calculator. Get a clear understanding of your financing options.
Texas Custom Outdoors is a pool builder, not a lender or a financial advisor. We do not originate loans, set rates, or make credit decisions. All amounts, rates and terms are determined by the lender and subject to credit approval. Figures on this page reflect terms published by our partners as of August 2026 and are subject to change — confirm current terms directly with the lender.