Cliff's Pools & Patios
Apply for Financing

You Dream It, We Finance It

Three financing partners you can compare and apply to directly - covering new pools, remodels, patios, outdoor kitchens, pergolas, and everything in between. Cliff's isn't the lender; we just make it easy to find one that fits.

Up to 100% financing available with approved credit - subject to each lender's terms.

Explore Options (954) 466-5858
Up to $500K
Loans available
20 Years
Max term length
Soft Credit
No impact to apply
100%
Direct-to-consumer
Three Options

Choose the path that fits you best

Each partner serves a different kind of homeowner. Compare and apply directly - Cliff's stays out of your financial details.

Most Popular
HFS
Personal & Unsecured Loans
HFS Financial

"You Dream It, We Finance It"

HFS has one-of-a-kind loan programs and world-class service backed by 1,500+ five-star reviews. Personal loans - no equity required - funded 100% direct-to-consumer. A soft credit check shows you full options without affecting your score.

  • No impact on credit to apply
  • 100% personal & unsecured
  • Terms up to 20 years
  • Loans up to $500,000
  • Funds direct to consumer
Check Your Rate
LS
From a Truist Company
LightStream

"Fast online financing for home improvement"

LightStream offers fast, low-rate, unsecured loans for qualified borrowers - no fees, no prepayment penalty, and same-day funding for many applicants. A simple alternative for homeowners with strong credit profiles.

  • Low, fixed rates for strong credit
  • No fees or prepayment penalties
  • Same-day funding available
  • 100% online process
Apply with LightStream
TM
Home Equity Line of Credit
Total Mortgage HELOC

"Let your home's equity work for you"

A HELOC from Total Mortgage gives you flexible access to your home's equity - typically at lower rates than personal loans or credit cards, with potential tax-deductible interest. Leave your name, email and phone, and Charlie Weiss (Branch Manager, NMLS #34733) will reach out with your options. No application needed to start.

  • Lower interest rates (vs. personal loans)
  • Tax-deductible interest (consult tax advisor)
  • Flexible draw & repayment terms
  • Use funds as needed for the project
See My Home Equity Options
How It Works

Apply in minutes, build for decades

Step 01

Pick a partner

Compare HFS, LightStream, and HELOC below. Most homeowners pick HFS - soft credit check, no equity needed.

Step 02

Apply direct

Finish the application on the lender's site. Secure, online, takes a few minutes.

Step 03

See your terms

You'll get options or a pre-approval. Look at the rate and payment before you agree to anything.

Step 04

We start building

Once you're approved, we lock in the design and get started. Funds go where they're needed, when they're needed.

Why a HELOC?

Tap your home's equity for the project

HELOCs typically offer lower rates than personal loans and credit cards, with flexible draws while your project is underway.

Lower interest rates
Historically lower than other loans and credit cards.
Tax-deductible interest
May qualify for tax-deductible interest (consult your tax advisor).
Easier repayment terms
Flexible interest-only or amortizing repayment options.
Flexible funds
Draw funds as you need them throughout your project.
Financing FAQs

Financing your project - the questions we get most

Who is eligible for Cliff's Pools financing?
Anyone with a valid credit history and a South Florida property can pre-qualify. The lenders we work with look at credit score, debt-to-income, and property value. A soft-pull pre-qualification takes about 5 minutes and doesn't affect your credit score.
What can I finance - just new pools?
No. You can finance a new pool build, a remodel/resurface, a paver deck, a covered roof or pergola, an outdoor kitchen, artificial turf, or any combination as one project. If we're doing the work, it can typically be rolled into the same financing package.
What are typical monthly payments?
As a rough guide: a $75,000 new pool with 15-year financing at typical rates runs $600-$800/month. A $25,000 pool remodel comes in around $200-$300/month. Exact numbers depend on your credit, term, and current lender rates - the pre-qualification page gives you a real quote.
How long does financing approval take?
Soft-pull pre-qualification is instant to a few hours. Final full underwriting typically takes 3-7 business days. We can start design and permitting in parallel so financing doesn't stall your project timeline.
Do you offer 0% or promotional financing?
Some lenders run seasonal 0%-for-18-months promos for qualified buyers. We list current active promotions on the Financing page - they change quarterly.
Important

Approval & terms

All financing is subject to approved credit, lender terms, and conditions. Cliff's Pools & Patios is not a lender and does not originate, service, or set the terms of any loan. Loans are originated by our independent finance partners. Read each partner's terms carefully before applying.

Have Questions?

Talk through your options with us

We'll help you understand which financing partner is the best fit for your project and budget.

Contact Us (954) 466-5858

Ready for an Affordable Makeover?

Financing available. Free in-home estimates.

Request an Estimate (954) 466-5858
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