Backyard pool, lounge deck and covered patio built by Cliff's Pools & Patios

Finance the Backyardof Your Dreams

Flexible financing options for new pools, remodels, patios, pergolas, outdoor kitchens and more.

Family Owned Since 1986
Up to $500K
Loans available
20 Years
Max term length
Soft Credit
No impact to apply
100%
Direct-to-consumer

Estimated Monthly Payments

Based on a 30-year term with interest-only payments for the first 10 years

$15,000
~$100 / mo
$25,000
~$165 / mo
$50,000
~$330 / mo
$100,000
~$650 / mo
  • 39+ Years Trusted
  • 100% Licensed & Insured
  • Family Owned & Operated
Serving Broward & Palm Beach County
Payment Calculator

Estimate your monthly payment

Slide to your project budget. Based on a 30-year term with interest-only payments for the first 10 years.

$50,000
$10K$500K
7.9%
5%15%
Years 1-10 · Interest-only
~$330 / mo
Years 11-30 · Principal + interest
~$415 / mo

Payments go up in year 11, when you start paying down the balance.

This calculator is for illustration only. It is not an offer of credit, a loan approval or a guarantee of any rate or payment. Estimates assume interest-only payments for years 1-10, then principal and interest for years 11-30 at the rate shown. Your actual rate, terms and monthly payment will depend on your credit history and score, income, home equity, loan amount, the lender's approval and current market rates, which change often. Variable-rate products such as a HELOC can change over time. Cliff's Pools & Patios is not a lender. Financing is provided by third-party lenders and is subject to credit approval.

How It Works
  1. 1

    Apply in Minutes

    No paperwork headaches.

  2. 2

    Get Approved Fast

    Built around your budget.

  3. 3

    Start Your Project

    We get to work right away.

Building Better Backyards for a Brighter Tomorrow

Serving Broward & Palm Beach County

Rates and payments are conservative estimates for informational purposes only and are not a guarantee of credit approval or final loan terms. Actual rates, terms, and monthly payments will vary based on creditworthiness, financing provider, and loan structure. Contact us for full details.

Two 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.

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
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
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, on a 30-year term with interest-only payments for the first 10 years: about $100/month for $15,000, $165 for $25,000, $330 for $50,000 and $650 for $100,000. Payments go up in year 11, when principal is due. Try your own budget in the payment calculator on this page - exact numbers depend on your credit, the lender and current rates.
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?
Lenders sometimes run promotional offers for qualified buyers, and they change often. Ask us, or check with the lender when you apply - they'll show you any current offers available for your credit profile.
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.

Ready for an Affordable Makeover?

Financing available. Free in-home estimates.