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. Hardscape, landscape, lighting, and Healthy Yards projects in the $10,000 to $30,000 range qualify for outdoor living financing through our partners. The same soft-pull pre-qualification works for smaller loans. Phased-build projects, where you spread investment across multiple seasons (year one hardscape, year two pool, year three landscape), also fit this range. Custom concrete pools typically start higher than $30,000, but the surrounding work qualifies for financing on its own.
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.
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