Financing Your Outdoor Project

Our Financing Partners

Our process is built on a simple principle: the person who designs your project is the person who sees it through to completion. No handoffs between departments. No miscommunication between contractors. One designer, one team, one point of contact, from the first conversation to the last walkthrough, and for every season that follows.

HFS Financial

HFS Financial offers home improvement loans built for outdoor living projects like pools, patios, and full backyard renovations. The loans are unsecured, so no home equity is required, and the application takes only a few minutes. Once you are approved, funding moves quickly, which makes it a simple way to spread the cost of your project over time.

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Viking Capital

Viking Capital specializes in financing swimming pools and outdoor living spaces. They offer competitive rates, longer repayment terms, and a quick online application. Because backyard projects are their focus, the process is built around the way pool and landscape builds actually come together.

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Lyon Financial

Lyon Financial has focused on backyard and swimming pool financing for decades and is one of the most established names in the field. They offer a range of loan options with flexible terms, and their team works directly with homeowners to match financing to the project you are planning.

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Invest in Your Home Without Putting
Your Life on Hold

A custom outdoor living project is one of the most rewarding investments you can make in your home, and one of the most significant. Whether you are planning a pool and patio, a complete landscape transformation, or a phased backyard renovation, the cost reflects the quality of materials, the expertise of the team, and the permanence of the finished product.

We understand that writing a single check for a large-scale project is not always practical, or even preferred. Many of our clients choose financing because it allows them to build the project they actually want, on a timeline that works for them, without depleting savings or delaying their vision by years.

Blue Tree Outdoor Living has partnered with established lending institutions that specialize in home improvement financing. These are the same types of lenders homeowners already trust for kitchen renovations, home additions, and HVAC replacements. Now applied to the outdoor living space that adds daily enjoyment and long-term property value to your home.

Why Homeowners Finance Outdoor Living Projects:

Build the full vision now, not a compromised version later.
Preserve cash reserves and emergency savings.
Take advantage of current material availability and scheduling.
Lock in today's pricing before annual material cost increases.
Combine financing with Blue Tree's phased approach for maximum flexibility.

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How It Works: Simple, Transparent, and On Your Terms

Step 1: Start With Your Free Consultation

Every Blue Tree Outdoor Living project begins the same way, with a free on-site consultation where your designer walks your property, listens to your vision, and begins shaping a plan. During this conversation, let your designer know you are interested in exploring financing options. They will walk you through what is available and help you understand how financing fits into your project scope.

Step 2: Review Your Custom Design and Estimate

Your designer creates a custom 3D rendering of your project along with a detailed, itemized estimate. You will see exactly where every dollar goes, and exactly what the monthly financing payment would look like at different term lengths. No surprises, no hidden costs.

Step 3: Apply and Get Approved

When you are ready, the application process is straightforward. Our financing partners offer quick online applications you can complete on your own or with help from your designer. Pre-qualification options may be available without impacting your credit score.

Step 4: Build Your Dream Backyard

Once approved, your project enters Blue Tree's design-build schedule. Your financing terms are locked in, your timeline is confirmed, and your designer remains your single point of contact from first sketch to final walkthrough.

Financing and Phasing: Two Ways to
Make Your Vision Work

Finance the Full Project

Build everything at once and pay over time. Financing lets you enjoy your complete outdoor space from day one while spreading the cost across manageable monthly payments. Ideal for homeowners who want the full vision delivered in a single construction phase.

Phase Your Project Over Time

Blue Tree Outdoor Living regularly phases large backyard projects to make them more financially manageable. Build the core elements (the pool, the essential hardscape, the foundational landscape) in year one. Add lighting, an outdoor kitchen, or expanded plantings in subsequent phases. Your designer plans the full vision from the start so that each phase integrates seamlessly, with no rework and no wasted investment.

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What Projects Can You Finance?

Financing covers the full range of outdoor living projects we build, from in-ground pools and spas to patios, walkways, retaining walls, outdoor kitchens, landscape design, and complete backyard transformations. If it is part of your project, it can usually be part of your financing.

A luxurious backyard pool features stone walls with multiple cascading waterfalls, built-in lights, fire bowls, and surrounding lush greenery and flowers, creating an elegant and relaxing outdoor space.

Custom Inground Pools

From pool shell and equipment to complete pool-and-patio packages. Read the Pennsylvania inground pool cost breakdown before comparing financing options.

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A well-maintained front yard features neatly trimmed grass, vibrant flower beds, shrubs, and small trees in front of a stone house, all bathed in warm sunlight.

Landscape Design & Installation

Foundation plantings, garden design, grading, drainage, and full landscape transformations.

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A spacious outdoor patio features a built-in stone grill, bar seating, a dining table, wicker chairs, and a stone fireplace. The area is warmly lit and surrounded by lush green trees at sunset.

Hardscapes

Paver patios, retaining walls, outdoor kitchens, fire pits, walkways, and driveways.

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Complete Outdoor Living

Multi-phase backyard renovations combining pools, landscape, hardscape, and lighting into one cohesive design.

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Established 1983

70 to 90 Employees

13 to 14 Year

Avg. Employee Tenure

NALP Affiliated

Licensed & Insured

Common Questions

Yes. Blue Tree Outdoor Living partners with three specialized pool and home improvement lenders: HFS Financial, Viking Capital, and Lyon Financial. Each has different rate structures and term options, so the right lender depends on the project size, your credit profile, and whether you want a secured or unsecured loan. Blue Tree doesn't do in-house financing because specialized lenders give homeowners better terms than a contractor could match. Pre-qualification is a soft credit pull that won't affect your score.

Pool loan rates start around 7% to 8% APR through specialized lenders like Lyon Financial and HFS Financial, varying based on credit profile and loan term. Home equity loans typically offer lower rates but require equity in the home and a longer application. Unsecured pool loans cost more in interest but close faster. Lyon Financial has shown $50,000 at 7.19% over 15 years as a recent example. Your designer can walk through which path fits.

Pool-specialized lenders evaluate applications differently than traditional banks. Approval rates run higher for homeowners with credit in the 660+ range, especially with existing home equity. HFS Financial, Viking Capital, and Lyon Financial each offer soft-pull pre-qualification, so you can see your likely rate and term without affecting your credit score. The full underwriting process happens after you've signed the project contract. Most Blue Tree Outdoor Living clients pre-qualify before the design phase.

Yes. Some hardscape, landscape, lighting, and Healthy Yards projects below $30,000 may qualify through Blue Tree’s lending partners, subject to lender terms and underwriting. Custom inground pools fall outside that amount, with a 2026 planning range of $75,000 to $200,000 or more for the pool project alone. Phased projects may also be eligible for financing by scope.

Lyon Financial offers terms up to 30 years on unsecured loans up to $250,000, with most homeowners selecting 15 to 20 year terms. HFS Financial and Viking Capital offer similar maximum terms with different rate structures. Home equity options can stretch to 30 years as well. Shorter terms mean higher monthly payments but lower total interest. Your designer reviews the trade-offs with the lender's pre-qualification numbers in hand.

Financing Options for Your Outdoor Living Project