Financing
Plan the payment first.
Most of our clients finance some or all of the project. Use the calculator below with your real numbers - then we'll match you with a vetted lender.
The short answer
A typical Rock Water Pools project of $125,000 financed at 8.99% APR over 15 years runs about $1,267 per month. We refer to Lyon Financial, HFS Financial, and LightStream - three pool-specialized lenders who underwrite at competitive rates. Rock Water takes no referral fees. Call or text (704) 450-1023 to walk through your options.
Calculator
What will it cost per month?
Step 1
Project amount
$125,000Step 2
APR
8.99%Real rates depend on credit, lender, and loan structure. Lyon Financial and HFS typically quote 7–13% APR for pool loans in 2026.
Step 3
Term
15 yearsEstimated payment
$125,000 at 8.99% APR over 15 years
- Total interest
- $103,076
- Total paid
- $228,076
Estimate only. Not a commitment to lend. Final rate, term, and payment depend on credit profile, lender underwriting, and loan structure.
Lender partners
Three vetted options. Zero referral fees.
Pool-specific lender, fast approvals, 30+ years in the niche. Best for clean credit profiles and project amounts $50k–$300k.
Broker network - they shop your application across multiple lenders to find the best rate. Strong for borrowers wanting to compare options without multiple hard pulls.
Online lender with rate-beat guarantee for excellent credit. Fully unsecured, no fees, fast funding for borrowers 720+ FICO.
How we work
Honest financing, not a sales gate.
We don't take referral fees
You shop your loan separately. We don't earn a kickback when you finance - and we'll tell you if a HELOC is the smarter call.
Soft pull pre-qualification
See your rate without a hard credit inquiry. Apply once, get matched with multiple lenders.
Milestone draws coordinated
We sequence lender disbursements with construction milestones so your loan funds when work is performed.
Process
From rate quote to first dig.
- 01Soft-pull pre-qualification
Apply once with HFS or Lyon. They run a soft credit check and return real rate offers within 24–48 hours. No impact on your credit.
- 02Compare with your HELOC or cash plan
We'll walk through the math. If a HELOC beats the unsecured loan rate, we'll tell you. If paying cash makes sense for tax reasons, we'll say so.
- 03Lock the rate at contract signing
Once you commit to the build, you commit to the loan. The lender holds your rate through the construction window.
- 04Milestone draws sync to construction
Lender funds release at deposit, dig, shell, decking, and start-up. We invoice the lender directly so you don't have to manage paperwork mid-build.
FAQ
Pool financing, answered.
What credit score do I need to finance a pool in NC or SC?
Most pool lenders we work with - Lyon Financial, HFS Financial, and Light Stream - quote prime rates starting around 680 FICO. Approvals run from 650 up; below 650 is possible but the rate climbs sharply. We pre-screen for soft-pull qualification before you commit to a hard inquiry.
How much should I expect to pay per month?
On a $125,000 pool financed at 8.99% APR over 15 years, the payment is roughly $1,267/month. Stretching to 20 years drops it to $1,124/month. Use the calculator above with your actual project amount and a realistic APR for your credit profile.
Do you offer in-house financing?
No - and you should be skeptical of any builder who does. We refer to specialized pool lenders who underwrite at competitive rates and don't bake hidden margin into the loan. You shop your loan separately from your pool, and we don't take a referral fee.
Can I use a HELOC instead of a pool loan?
Yes, and many of our clients do. Home equity lines typically beat unsecured pool loan rates by 1–3 points and the interest may be tax-deductible if the funds improve the home. The trade-off is the loan is secured by your house. Talk to your CPA before deciding.
When does the lender disburse funds?
Pool loans are typically drawn in 3–5 milestone disbursements: deposit at signing, dig completion, shotcrete or shell set, decking complete, and start-up. We coordinate the draw schedule with your lender so payments line up with construction milestones.
Does the loan amount include decking, lighting, and landscaping?
It can. Most lenders fund the full Rock Water contract - pool, decking, equipment, automation, lighting, and outdoor living scope. Landscaping and pool fence are sometimes excluded depending on the lender. We'll flag what's financeable line by line on your proposal.
Disclosure
Rock Water Pools is not a lender and does not arrange financing. The estimates above are illustrative and not a commitment to lend. Actual rates, terms, and approval are determined by the lender based on your credit profile and underwriting. Contact us to be introduced to a lender partner.
Ready when you are
Run the numbers, then build the pool.
Schedule a complimentary consultation with a Rock Water designer.