Your backyard, without the upfront.
Build now. Pay comfortably.
Building a pool in Arizona doesn’t have to mean paying everything upfront. We work with trusted financing partners to help you move forward on your project while keeping your monthly budget comfortable.
The process is straightforward: a simple application, a fast credit decision, and flexible terms that fit your budget and project scope. Many options are unsecured, so home equity isn’t required, and you can build now while paying over time.
We’re not a lender, and we don’t profit from your loan. We simply connect you with reputable partners and stay transparent about cost so you can plan your investment with confidence.
What you can finance
Custom Pool Construction
Remodels & Resurfacing
Spas & Additions
Decking & Outdoor Living
Water Features & Lighting
Five steps to funded.
Apply
Submit a simple online financing application with one of our partners.
Get Reviewed
A quick credit review and fast approval decision, often the same day.
Choose Terms
Pick the loan terms and monthly payment that fit your budget.
Get Funded
Funds are made available for your pool project once you accept.
Build & Pay
We build your pool while you pay over time in predictable payments.
Sample monthly payments.
Lenders we work with
Lyon Financial
HFS Financial
Copper State CU
Credit Union West
You still have options.
Check your report
Reduce debt
Show stable income
Add a co-applicant
Pre-qualify first
Financing questions
Can I finance a remodel, not just a new build?
Yes. Financing can cover new construction, remodels and resurfacing, spas, decking and outdoor living, and water features. If it's part of your backyard project, it can usually be financed.
Do I need home equity to finance a pool?
Often, no. Many of our partners offer unsecured pool loans that don't require home equity. Approval is based on factors like credit, income, and debt-to-income ratio rather than the equity in your home.
How fast can I get approved?
Many applications receive a credit decision quickly, often the same day. Timelines vary by lender and your specific situation, but the process is designed to be fast so it doesn't delay your project.
Is Desertscape the lender?
No. We're a pool builder, not a lender. We connect you with trusted financing partners and stay transparent about project cost. All loan terms, rates, and approvals come directly from the lender you choose.
Will checking my rate hurt my credit score?
Pre-qualifying with our partners typically uses a soft credit check that doesn't affect your score. A full application later may involve a hard inquiry, which the lender will disclose before you proceed.