For many Long Island homeowners, the idea of building a pool feels out of reach. The upfront cost seems significant, and it is easy to put the dream on hold year after year waiting for the right moment financially. But here is what a lot of people do not realize: financing a pool is more accessible than ever, and the monthly cost of owning a pool may be a lot closer to your budget than you think.
At Arthur Edwards Pool and Spa Centre, we work with trusted financing partners to help homeowners make their backyard vision a reality without having to pay for it all at once.
Why Pool Financing Makes Sense
A pool is not just a purchase. It is a long-term investment in your home and your quality of life. Inground vinyl liner pools consistently add value to residential properties, and the enjoyment they provide over years and decades of use is genuinely difficult to put a number on.
Spreading the cost of that investment over time through a financing plan means you can start enjoying your pool this summer, or next summer, rather than waiting until you have saved the full amount. For most families the monthly payment on a well-structured pool loan is comparable to what they might spend on a family gym membership, a car payment, or annual vacation costs.
Our Financing Partners
Arthur Edwards works with two trusted financing companies to offer flexible loan options for new pool installations.
HFS Financial is one of the most respected names in home improvement lending and specializes specifically in pool and spa financing. They offer competitive rates, a straightforward application process, and loan amounts that cover the full range of pool project costs. You can learn more and start the application process at the link on our finance page at
aepools.com/finance.
Lyon Financial is another industry-leading pool financing company with decades of experience helping homeowners fund backyard projects. They offer a range of loan products with terms designed to keep monthly payments manageable.
Both partners have streamlined their application processes so you can get a decision quickly and move forward with your project without unnecessary delays.
What to Think About When Financing a Pool
Before you apply for financing, it helps to have a clear picture of what you want and what your budget looks like. Here are a few things to consider:
Total project cost. The cost of a new inground vinyl liner pool on Long Island varies depending on size, shape, features, and site conditions. Getting a detailed quote from us is the best first step. We will give you a clear, accurate number to work with.
Loan term. Pool loans are typically available in terms ranging from 5 to 20 years. A longer term means lower monthly payments but more interest paid over time. A shorter term costs more per month but less overall. Think about what monthly payment feels comfortable rather than just the total loan amount.
Your existing equity. Some homeowners choose to finance a pool through a home equity loan or line of credit, which can offer favorable interest rates if you have significant equity in your home. Talk to your bank or mortgage lender about whether this option makes sense for your situation.
Timing. Applying for financing early in the process means you know exactly what you have to work with before construction begins. We recommend getting pre-approved before your design consultation so that budget conversations are grounded in real numbers from the start.
Hot Tub Financing Too
It is not just new pool installations that can be financed. If you have been thinking about adding a Caldera Spa to your backyard, financing is available for that too. Our team can walk you through the options available for hot tub purchases when you visit our showroom.
Ready to Take the Next Step?
If cost has been the thing standing between you and the backyard you have always wanted, we encourage you to explore your financing options before assuming a pool is out of reach. You might be surprised at how manageable it can be.
Visit
aepools.com/finance to learn more about our financing partners and start the application process. Or call us at 631-744-7189 and our team will be happy to walk you through everything.
Arthur Edwards Pool and Spa Centre has been serving Long Island families since 1974. Financing is subject to credit approval through third party lenders. Terms and conditions vary.
