Should You Finance Your Pool or Pay Cash? What Makes the Most Sense for Texas Homeowners

Investing in a custom pool and outdoor living space is a major decision — and one of the first questions many homeowners ask is whether they should finance the project or pay for it upfront in cash. At Sunset Pools, we’ve helped thousands of families in Katy, Fulshear, Cypress, and the surrounding areas navigate this decision.

Here’s what we’ve learned over the past two decades.

The Case for Paying Cash

There are undeniable advantages to paying cash if you’re in a position to do so:

No monthly payments
No interest or lender fees
Simpler process with fewer steps

For some clients, paying cash brings peace of mind. However, it’s not always the best route — especially if it means delaying your build, compromising on design, or draining savings that could be used elsewhere.

Should You Finance Your Pool? Why Many Clients Choose Financing

Wondering if you should finance your pool? We’ve seen an increasing number of homeowners opt for financing, either for part or all of their project.

And in many cases, it’s a smart financial move. Here’s why:
Start building sooner without waiting to save more
Preserve liquidity and avoid dipping into emergency savings
Lock in today’s pricing and avoid rising construction costs

When you choose to finance your pool, families are able to enjoy their pool and outdoor space when it matters most — often in time for the holidays or summer break — without sacrificing financial flexibility.

Partnering With Lyons Financial

We work with Lyons Financial, one of the leading pool lending partners in the country. Their programs are designed specifically for outdoor living projects, offering competitive rates, no consulting fees, and long-term loan options.

You’re never obligated to work with any lender we recommend, but Lyons has helped many of our clients move forward with confidence.

What We Tell Our Clients

Some clients use cash for part of the project and finance the rest. Others choose financing to keep savings intact or meet a holiday deadline. Many finance the full amount and pay it off early when it works best for their family.

There’s no one right answer — just the right fit for your goals.

Ready to Explore Your Options?

We’re here to help you understand what works best for your timeline and budget. Whether you’re just starting the planning process or ready to build, let’s talk about how to make it happen.