Pool Financing in Michigan

A new pool or major remodel is a significant home project.

Financing should make the decision clearer, not more complicated.

For some homeowners, financing makes it easier to move forward with the right project rather than making every design decision around the amount they want to pay upfront.

DRS Pool & Spa offers access to pool financing in Michigan through three national lending partners: HFS Financial, Lyon Financial, and Viking Capital.

Each lender operates independently and offers its own financing programs, approval criteria, terms, and rates.

The right place to start is understanding your project and then comparing the financing options available to you.

Backyard swimming pool with blue water, white deck, and trees in the background

Financing a New Pool

Financing can be used to help qualified homeowners plan a new vinyl liner, fiberglass, or gunite pool without paying the entire project cost upfront.

That can be particularly useful when the pool is only one part of a larger project that also includes decking, equipment, an attached spa, lighting, or other features.

Before deciding how much to finance, understand what is actually included in your pool proposal.

The pool type, property conditions, site access, size, equipment, decking, and selected features can all affect the final investment.

For an overview of those choices, start with our new pool construction options.

HFS Home Improvement Loans logo with orange house outline and blue letters on white background

HFS Financial

HFS Financial provides financing

options for home improvement projects,

including swimming pools.


DRS Pool & Spa already has a branded HFS financing page available, making it one of the direct financing paths homeowners can explore.

Lyon Financial logo with a blue lion illustration and black text on a white background

Lyon Financial

Lyon Financial specializes in financing for swimming pools and other outdoor home improvement projects.


It is one of DRS Pool & Spa’s primary lending options and may offer different terms or programs depending on the homeowner and project.

Blue Viking logo with sailboat icon above the word “Viking”

Viking Capital

Viking Capital gives homeowners another national financing source to consider when planning a pool project.


Like the other lenders, eligibility, interest rates, terms, and available programs are determined by the lender rather than DRS Pool & Spa.

Financing Can Help You Compare the Right Project, Not Just the Lowest Price

The lowest project price is not automatically the best financial decision.

If lowering the initial number means removing the features you care about most, changing the construction method for the wrong reason, or accepting a scope that does not fully address the property, you may end up with a pool that costs less but fits your needs poorly.

Financing can give some homeowners more flexibility to evaluate the project as a whole.

That does not mean stretching the budget simply because financing is available.

It means understanding the pool, understanding the payment options, and making the decision with both pieces of information in front of you.

Backyard swimming pool with lounge chairs, an inflatable toy, and a small floating item on the water.
Backyard swimming pool with concrete deck, fountain jets, and a metal handrail beside a house

Can Pool Remodeling Be Financed?

Financing may also be available for qualifying larger remodeling projects.

That can be useful when an existing pool needs substantial work such as resurfacing, full retile, concrete replacement, equipment-pad replacement, liner replacement, or a more complete renovation.

Explore pool remodeling in Oakland County or vinyl liner replacement in Michigan to understand the type of work DRS handles.

Final financing eligibility is always determined by the lender.

Pool Financing

FAQs

  • Does DRS Pool & Spa offer financing?

    DRS Pool & Spa works with three national financing partners: HFS Financial, Lyon Financial, and Viking Capital.

  • Can I finance a vinyl liner, fiberglass, or gunite pool?

    Financing may be available for all three types of new pool construction, subject to the lender's approval, terms, and program requirements.

  • Does applying for financing guarantee approval?

    No. Each lender makes its own approval decisions based on its current lending requirements.

  • Does DRS Pool & Spa determine the interest rate?

    No. Rates, terms, fees, approval requirements, and financing programs are determined by the individual lender.

  • Can remodeling projects qualify for financing?

    Some larger pool remodeling projects may qualify, depending on the lender and the project. Homeowners should review the current program terms directly with the financing provider.

Understand the Project.

Then Understand the Payment Options.

Financing should make the decision clearer, not more complicated.


Start by understanding what you want to build and what the project includes. Then compare the available lending options and decide what works for your household.