Pool financing in Nashville, from about $610 a month
Two lenders, one short application each, no hit to your credit to look. An above-ground fiberglass plunge pool starts at $58,700 delivered and set, plus $4,500 design and permitting. A finished in-ground concrete Plungie starts around $85,000. Here is what that looks like per month, who lends it, and how the pool gets paid for. Call 615-606-3092.
No credit impact to check · Unsecured, no equity needed · Terms to 30 years · Funds in days
Check both. It costs nothing and does not touch your score.
Each lender runs its own credit model. One may say yes where the other says maybe, or offer a better rate. Checking is a soft inquiry with both, so look at both and take the better offer.
HFS Financial
- Check your options in about 60 seconds, no impact on your credit
- 100% unsecured. No lien, no appraisal, no equity required
- Terms up to 20 years, fixed monthly payment
- Funds go straight to you, so you pay us like a cash buyer
Wallaby Pools is an approved HFS Financial partner. Rates and terms subject to HFS approval.
Lyon Financial
- Pool-only lender, so the whole project is covered: pool, deck, fence, heater
- Terms up to 30 years for the lowest monthly payment
- Low fixed rates, no prepayment penalty
- Veteran-owned, with military and first-responder programs
Wallaby Pools is a Lyon Financial dealer. Rates and terms subject to Lyon approval.
Wallaby Pools (FWF Construction LLC) is the builder, not the lender. Loans are made by HFS Financial and Lyon Financial, subject to credit approval. We do not see your credit information and we do not add a financing fee. Checking options with either lender is a soft inquiry and does not affect your credit score.
Four rungs on the ladder
Finished, swimmable, everything included. Monthly figures are illustrative at 9.99% APR over 20 years, with the 30-year figure shown for Lyon. Your itemized quote and your lender's offer set the real numbers.
Above-ground fiberglass
Little Pool Co. Plunge 2.8, plug-in equipment, set on a pad · $58,700 delivered and set + $4,500 design & permitting
or about $555 a month over 30 years
In-ground concrete
Plungie Arena or Studio, in-ground, standard equipment · from about $85,000
or about $745 a month over 30 years
Heated and automated
Plungie Original or Max, eco equipment, heat pump · from about $105,000
or about $920 a month over 30 years
Pool, deck and stone
Max, salt and smart, spa jets, stone coping, deck band · from about $125,000
or about $1,095 a month over 30 years
Monthly payment estimator
Slide to your project amount and pick a term. Start from the pool cost calculator if you are not sure what the project is.
Above-ground fiberglass: no dig, light crane, swimming in days
Most of a pool's price is the site work, not the shell. Set a Little Pool Co. fiberglass pool above ground on a prepared pad and the excavation, the deep retaining work and the heavy crane all drop out. That is why it is the cheapest finished pool we build, and the lowest monthly payment on this page. Equipment ships built into the shell, the cladding is the finished face, and the deck attaches straight to the structure.
Plunge 2.8
Compact plunge · about 11 ft x 7 ftabout $610 a month · 20 yr
- Fits a tight city lot or a courtyard
- Plug-in 120V equipment, no special wiring
- Cold plunge and warm soak in one
Plunge 3.8
Room to float · about 14 ft x 7 ftabout $655 a month · 20 yr
- The most popular small-yard size
- Plug-in equipment with LED light
- Above ground, semi-recessed or in-ground
Relax 6.3
The big one · about 22 ft x 7.5 ft · in stock nowabout $745 a month · 20 yr
- Full swim lane plus bench and beach entry
- In stock, so no factory wait
- 25-year structural warranty
Prices are for the pool delivered and set above ground on a flat, accessible Nashville lot: shell, coping and cladding, plug-in 120V equipment, freight, light crane, base pad, electrical, fill and permit fees. Design and permitting is a separate $4,500 on every pool, and the monthly figures include it. Steps, heater, 230V equipment upgrades, decking, fencing and site conditions add to it. Heaters, decking, fencing and site conditions change the number. You get an itemized quote after a site walk. Every model, priced, with what is included and what is extra: fiberglass pool prices. See also the Little Pool Co. range and above-ground fiberglass pools.
Unsecured loan, home equity, or cash in stages
Unsecured pool loan
HFS or Lyon. Apply online, offers in minutes, funds in days. No lien on the house. This is what most of our clients use.
Home equity line (HELOC)
Borrow against the equity in your home through your bank or credit union. Usually the lowest rate if you have the equity and the time.
Cash, paid in stages
Our pool agreement bills in stages as the work lands: deposit, shell delivery, set day, equipment, completion. You never pay for work that has not happened.
Plenty of clients mix these: a HELOC for the pool, cash for the deck, or a loan now and a payoff later with no penalty. Tell us how you want to pay and we will structure the stages to match.
From first look to first swim
Price the pool
Use the cost calculator or send yard photos. We walk the lot and give you an itemized quote, including the crane.
Check your options
Apply with HFS, Lyon, or both. Soft credit check, offers in minutes. Pick the payment that fits.
Sign and fund
Accept the offer. Funds land with you in days. You sign our pool agreement and pay the deposit like a cash buyer.
Crane day
Design and permits, site prep, then the shell flies in. Swimming in days, not months. How installation works.
Pool financing, asked straight
Does checking my options hurt my credit?
No. Both HFS Financial and Lyon Financial start with a soft inquiry, which does not affect your score. A hard inquiry only happens if you choose an offer and go ahead with the loan.
How much does a pool cost per month in Nashville?
As a guide, an above-ground fiberglass plunge pool at $58,700 delivered and set, plus $4,500 design and permitting ($63,200 all-in), is roughly $610 a month on a 20-year term at 9.99% APR. A finished in-ground concrete Plungie from about $85,000 is roughly $820 a month on the same terms. A 30-year term through Lyon brings both lower. Your credit and the lender's offer set the real figure.
What is the cheapest pool you can finance?
A small Little Pool Co. fiberglass plunge pool set above ground on a prepared pad. No excavation, a light crane and plug-in equipment with no special wiring is why it comes in at $58,700 delivered and set, plus $4,500 design and permitting. Fully in-ground concrete starts around $85,000 finished.
Do I need equity in my home?
No. Both lenders are unsecured, so no lien, no appraisal and no equity requirement. A home equity line is still an option if you have equity and prefer the rate.
How fast is it?
Offers in minutes, funding in days once you accept. That pace suits a precast pool, which is craned in and swimmable in days once the site is ready.
Can I finance the deck, fence and landscaping too?
Yes. Both lenders cover the whole project on one loan. Lyon lends up to $250,000 and HFS up to $500,000.
Is Wallaby Pools the lender?
No. We are the builder. The loan is between you and HFS Financial or Lyon Financial. We never see your credit file and we do not add a financing fee to the quote.
What if my credit is average?
Check both. The two lenders use different models and one often says yes where the other hesitates. Since checking is a soft inquiry, there is no downside to looking at both.
Can I pay the loan off early?
Yes. Neither lender charges a prepayment penalty, so a bonus, a sale or a refinance can clear it whenever you like.
Related
Pool cost calculator · Plunge pool cost · Fiberglass pool prices · Fiberglass pools · Above-ground fiberglass pool · Concrete plunge pools · Pool installation · Is my yard pool ready
Get the number, then get the payment
Send a few yard photos and tell us the pool you have in mind. We walk it, quote it, and point you at the lender that fits. Call 615-606-3092.
You deal with Winston Farzan, the owner. FWF Construction LLC. TN GC #75052. Authorized Plungie partner. 26+ years, since 2000.Wallaby Pools · Nashville, TN
615-606-3092 · info@wallabyhomes.com