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Swimming Pool Financing

​​​The Pool Factory is pleased to offer financing options for a new or replacement above ground pool build. Financing through one of the 3 options below gives you several options depending on the size of the loan and the length of payment terms desired.

  • Available at checkout - instant approval.
  • No Payments + No Interest if paid in full in 6 months when you spend $99+.
  • Just select PayPal Credit on the cart summary page.
  • Answer 2 quick questions and accept the terms.
  • You'll know within seconds if you are approved.
  • If you don't want to pay before the promotional period ends, you will owe the interest that has accumulated at an Annual Percentage Rate (APR) of 19.99% starting from the posting date.
  • There is no annual fee to use PayPal Credit.
  • Learn more on PayPal's website - click here.



  • Available at checkout - instant approval.
  • Pay over 3, 6, or 12 monthly payments
  • Rates from 10–30% APR (Annual Percentage Rate).
  • Provide your basic information and get a real-time decision.
  • Spread your purchase over time with fixed, monthly payments.
  • Just select Affirm Financing at Checkout.
  • Learn more on Affirm's website - click here.



When you have good to excellent credit, you've earned a low rate on a swimming pool loan* from our financing partner LightStream, the nation's premier online consumer lender and a division of SunTrust Bank.

You can pay for everything related to your pool or spa project with the proceeds of your LightStream loan. You can also expect:

  • Competitive fixed rates, backed by LightStream's Rate Beat Program
  • No home-equity requirements, no fees or prepayment penalties
  • Financing from $5,000 to $100,000
  • A refreshingly simple online loan process
  • Same-day funding available1
  • Your best loan experience ever, or LightStream will give you $1002

You can finance all aspects of your swimming pool or spa project with a LightStream loan, including:

  • Design
  • Materials, parts, equipment and labor
  • Pool deck, landscaping, hardscape
  • Any other project-related expenses

LightStream will even plant a tree once your loan is funded!


“First I want to say this was in fact the EASIEST loan transaction ever! I have truly found a new lender. Thank you for making my dream of owning a pool come true in just one day!”
— B. W. from Philadelphia, PA
“Our first experience with LightStream was great! I am amazed at how easy and fast the entire process was. We applied for a large loan for a swimming pool and thought it would take some time to get approved and funds in our bank account. We applied on a Saturday morning, and Sunday were approved, and could have had our funds on Monday, but we wanted to hold off until our contract was signed with our pool builder. We will recommend LightStream to our friends and family! THANK you!”
— D.S. from Omaha, NE

*All loans are subject to credit approval by LightStream. If approved, your APR will be based on loan purpose, amount, term and your credit profile. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

1You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

2After receiving your loan from us, if you are not completely satisfied with your experience, please contact us. We will email you a questionnaire so we can improve our services. When we receive your completed questionnaire, we will send you $100. Our guarantee expires 30 days after you receive your loan. We reserve the right to change or discontinue our guarantee at any time. Limited to one $100 payment per funded loan. LightStream and SunTrust teammates do not qualify for the Loan Experience Guarantee.

SunTrust Bank is an Equal Housing Lender. © 2017 SunTrust Banks, Inc. All rights reserved. LightStream and SunTrust are federally registered service marks of SunTrust Banks, Inc. All other trademarks are the property of their respective owners. Lending services provided by SunTrust Bank, member FDIC.




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