Poolside pergola with outdoor kitchen and dining area beside a Cox Pools custom pool in Rosemary Beach, Florida

Panama City Beach, Florida / Financing

Start Your Project This Season. Pay For It Over Time.

We partner with independent lenders who understand pool financing — whether you're building new or finally tackling that renovation. Find a plan that fits your budget before you finalize your design.

Our Financing Partners

Choose the lender that fits you.

Each partner below has its own application, rates, and terms. Applying takes a few minutes and won't affect your ability to shop around.

HFS Financial specializes in home improvement lending, including pool loans, with a range of term options to fit different budgets.

Apply with HFS Financial

LightStream offers unsecured personal loans with fast funding and no fees, for borrowers who qualify.

Apply with LightStream

Lyon Financial runs a dedicated pool financing program with plans built specifically around pool construction projects.

Apply with Lyon Financial

*Cox Pools does not provide financing directly. HFS Financial, LightStream, and Lyon Financial are independent lending companies, and each is solely responsible for its own credit decisions, rates, terms, and application process. Cox Pools does not guarantee approval or any specific financing terms. Questions about an application or loan should be directed to the lender you applied with.

financed inground pool with paver deck in Panama City Beach

How It Works

From application to build day.

Financing is meant to make the decision easier, not add another thing to figure out.

Apply or Prequalify

Pick a lender above and submit a quick application. Most take just a few minutes to complete.
Review Your Terms

See your approved amount, rate, and repayment terms directly from the lender before you commit to anything.
Finalize Your Design

Bring your approved budget into the design conversation with our team, so the proposal fits what you're actually able to spend.
Build With Confidence

Once your contract is signed, your financing is already in place. Nothing left to sort out mid-project.

What Homeowners Say

Real clients, real financing decisions.

Verified Google reviewsRead them all on our profile

    
 
 
       Posted on Google  
   
   Janet Bartnicki 
 
 
 
 Trustindex verifies that the original source of the review is Google. We have a problem with our pool and Elyse in the warranty department has been extremely helpful in addressing our concerns.  She is cordial and professional.  She has gone above and beyond and is a complete positive asset to the company.  Her job is not an easy one, she deals with problems all day, however her disposition and attention to detail are remarkable.  She has made our experience with our problem a positive one.
  
 
      Posted on Google  
   
   Mike Brown 
 
 
 
 Trustindex verifies that the original source of the review is Google. I want to take a moment to say thank you for what has been one of the easiest processes I’ve ever experienced in going with Cox Pools. Ben our salesman has been the most customer-oriented salesperson I’ve worked with. He truly went above and beyond, and the entire experience felt effortless on our end. Thank you again, Ben, for everything—you made this a great experience. Adding that Tanner came out and gave us great direction and information about our pool. Really knowledgeable and took time to answer our rookie pool owner questions. Thank you Tanner.
  
 
      Posted on Google  
   
   mindy cummins 
 
 
 
 Trustindex verifies that the original source of the review is Google. My husband & I hired Cox Pools to install our in ground pool in Panama City. The sales person was great & it was not a pressured sale by any means. Communication was exceptional. The installation of the pool itself went much quicker than anticipated.  We are very happy & have already recommended them to a few of our friends!
  
 
      Posted on Google  
   
   Ronda Toole 
 
 
 
 Trustindex verifies that the original source of the review is Google. We had a wonderful experience with Cox Pools and are enjoying our new pool! Kris and her team are very attentive and make sure that you are happy with every detail.
  
 
      Posted on Google  
   
   Sue Fleschner 
 
 
 
 Trustindex verifies that the original source of the review is Google. I absolutely love my pool!!! Ben did an excellent job helping me design my outdoor living space. We had to get pretty creative and I'm so pleased with the result. His crew worked hard in tricky conditions and were always responsive and polite. The outcome was fabulous. Follow-up service has been excellent, as well. I strongly recommend Cox Pools!
  
 
      Posted on Google  
   
   Deb Raknerud 
 
 
 
 Trustindex verifies that the original source of the review is Google. We absolutely recommend Cox Pools.  They gave us superb, highly responsive and quality services throughout our pool build process.  It took us a few months to decide and get approvals, and Cox Pools was patient and very helpful through the full journey.  They finished our pool in a very timely manner, and strove to make a date for an inaugural swim with our grandsons. While we've heard many individuals talk of trouble in their pool builds, we have nothing but rave reviews for Cox Pools for the entirety of our process.  We had questions and needed clarification on items months after the pool was completed, and they responded immediately and came in person to answer our questions. Go with Cox Pools for your pool or backyard build, and you'll be very happy with the outcome.
  
 
      Posted on Google  
   
   Malia Cantrell 
 
 
 
 Trustindex verifies that the original source of the review is Google. Brittany was so helpful in answering all of me and my husband’s questions about our upcoming pool remodel! We also loved the design they helped us create and we ultimately are extremely happy with Cox Pools all around. She was extremely professional, detailed, and knowledgeable 10/10 customer service! I would recommend this place to anybody! They do fantastic work!
  
 
      Posted on Google  
   
   TOM Holmes 
 
 
 
 Trustindex verifies that the original source of the review is Google. When Cox Pools  rentavated my pool, it was fast, clean and professional. The result was my dream come true.   thank you Cox Pools.
  
 
      Posted on Google  
   
   Ben Simmons 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great employees, who take pride in what they do and customer satisfaction.

Will applying affect my credit score?

It depends on the lender and the stage of the process. Many lenders offer a prequalification step that uses a soft credit check, which does not affect your score, before running a full application. Confirm this directly with whichever lender you apply with, since the process can vary between them.

Which lender should I apply with?

Each partner structures their loans differently, so it comes down to what fits your situation. You're welcome to apply with more than one and compare offers before deciding. None of them are exclusive.

Do I need a finalized design before I apply?

No. Most people apply or prequalify with a rough budget in mind, before the design is finalized. Knowing what you're approved for ahead of time actually makes the design conversation more productive.

How are the funds paid out?

This varies by lender. Some use a draw schedule that releases funds as construction milestones are completed, while others disburse the full amount up front. Ask your lender directly how their disbursement process works.

Do I have to finance the entire project?

No. Plenty of clients finance part of the project and cover the rest another way. Your designer can help you figure out what portion makes sense to finance once you have a proposal in hand.

Modern pool with glowing teal water, pergola and lounge seating at twilight, built by Cox Pools in Northwest Florida

Still Deciding?

Bring your financing questions to a showroom consultation.

We'll help you figure out what to finance and how much, before you sign anything.

Book a Consultation

Start Your Project This Season. Pay For It Over Time.

Choose the lender that fits you.

From application to build day.

Apply or Prequalify

Review Your Terms

Finalize Your Design

Build With Confidence

Real clients, real financing decisions.

Financing, answered.

Bring your financing questions to a showroom consultation.