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.
How It Works
From application to build day.
Financing is meant to make the decision easier, not add another thing to figure out.
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Apply or Prequalify
Pick a lender above and submit a quick application. Most take just a few minutes to complete.
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Review Your Terms
See your approved amount, rate, and repayment terms directly from the lender before you commit to anything.
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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.
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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.
Questions
Financing, answered.
A few things people usually want to know before they apply.
Call 850.235.7957
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.
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