Pool & Screen Enclosure Financing Options
Don't wait years to save up for the pool, deck, and enclosure you already want. With the right financing, you build the whole thing now — one project, one crew, one timeline — and pay for it in fixed monthly payments that fit your budget.
Right Way works with three financing partners so there's a fit for everyone: HFS Financial for fast, soft-pull approvals with no hit to your credit, Lyon Financial for the lowest rates on larger builds, and Foundation Finance to get you approved even if your credit isn't perfect. Use the estimator below to see a ballpark monthly payment, then pick your path.
Estimate Your Monthly Payment
Wondering what a project like yours runs per month? Slide in your project cost and pick a financing path for a ballpark estimate. Actual rate and term depend on your credit and the lender — your real terms come back in your quote.
up to 30 yrs
up to 30 yrs
up to 12 yrs
Estimates are for illustration only and aren't an offer of credit. Payments use each partner's representative rates; your actual rate, term, and payment depend on your credit and the lender, and are confirmed at application. HFS Financial is not a lender or broker. Not all applicants will qualify.
The Smart Way to Build Your Oasis Now
Immediate Realization
Do not compromise on scope or timeline; secure the capital required to execute the full architectural vision of your enclosure or hardscape immediately, rather than phasing the project.
Capital Preservation
Maintain your liquidity for other investments. Leverage specialized project funding to keep your cash reserves intact and your financial portfolio diversified.
Asset Enhancement
Outdoor living spaces in Florida are a primary driver of property valuation. Utilize funding to maximize the ROI of your home improvement without upfront capital displacement.
Fast, Flexible Funding: HFS Financial
When you want an answer today, start with HFS Financial. HFS runs a soft credit check, so getting your loan terms has no impact on your credit — you see what you qualify for before you commit to anything.
It's the best fit for full projects of
$15,000 or more, where you can stretch payments over a longer term. Financing is offered through HFS Financial's lending network, and funds go straight to your checking account — no equity, no appraisal.
Why homeowners start with hfs
- No impact on your credit — soft pull to see your real terms
- No equity, no appraisal — funds direct to your checking account
- Fund up to 120% of project cost — built-in room for change orders and upgrades mid-build
- Loans up to $325,000, terms up to 30 years on projects $15K+
- Pre-qualify in about a minute, full terms within 24 hours
The lowest rate for larger builds: Lyon Financial
For well-qualified homeowners and larger projects, Lyon Financial offers our lowest published rates. Lyon specializes in high-value pool and outdoor construction — unlike a general lender, they understand what a full build actually involves.
Key Features
- Fixed rates from 7.50% — our lowest published rate
- Terms up to 30 years — maximize monthly cash flow
- Zero prepayment penalties
- Fast digital processing
Approved even with lower credit: Foundation Finance
If your credit isn't where you'd like it to be, Foundation Finance is built to get you approved when other lenders can't. It's our go-to path for above-ground pools and smaller projects — a straightforward way to get funded and start building, even with a lower credit score.
Rates range from
11.9% to 17.99% depending on your credit and term, with terms up to
120 months. Fixed monthly payments, no prepayment penalties.
Key Features
- Credit scores below the HFS and Lyon thresholds
- Above-ground pools and projects under $15,000
- Homeowners who value approval odds over the lowest rate
A Simple and Quick 3-Step Process
Apply Online
Get Approved
Start Building
FAQs About Funding Your Project
Which financing partner should I choose?
Start with HFS Financial if you want a fast answer with no impact on your credit — their soft pull shows your real terms in about a minute, and they're ideal for projects of $15,000 or more. Choose Lyon for the lowest rate on a larger build, or Foundation if your credit needs a more flexible lender. We'll help you pick on your free consultation.
Will checking my financing hurt my credit score?
Not with HFS. HFS Financial runs a soft credit check, so getting your loan terms has no impact on your credit score. You can see exactly what you qualify for before you decide anything.
What if my credit isn't perfect?
You still have options. Foundation Finance specializes in approving homeowners who don't qualify elsewhere, especially for above-ground pools and smaller projects. Rates run higher than our other partners, but it's a real path to getting your project funded and started.
How much can I finance, and can I bundle everything together?
Through HFS you can finance up to $325,000 — and up to 120% of your project cost, leaving room for change orders or upgrades during the build. Pool, deck, screen enclosure, and outdoor kitchen can all go into one simple monthly payment.
How fast can I get approved?
Fast. An HFS or Foundation inquiry takes about a minute with terms in 24 hours. Lyon typically makes decisions within 24–48 hours.
Uncompromised Quality. Intelligent Execution.
Your residence is a significant asset, and any addition should reflect that caliber of quality. Our approach focuses on delivering an outdoor expansion that enhances your property's long-term value, rather than compromising on scope to fit a temporary budget.
By aligning Right Way’s expert craftsmanship with our financial partners' capital solutions, you can execute your full vision immediately. This strategy ensures a cohesive, luxurious result that is built to the highest standard from the ground up.
We proudly offer flexible pool, spa, and screen enclosure financing to homeowners across
Indian River, Brevard, Orange, St. Lucie, and Volusia counties.