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Get your dream swimming pool with HFS Financial!
Building a backyard swimming pool is one of the most exciting adventures you’ll ever have. That’s what makes swimming pool loans so incredibly important. Not only will you be adding a beautiful asset to your home, but you’ll also be creating a space to make endless memories with the ones you love most.
 
The inviting sparkle of clear, cool water turns a boring backyard into a complete showstopper. Adding the crown jewel of your home all begins with the right financing, with terms and rates on pool loans that will make both your heart and your wallet happy. Discover how HFS Financial can help you get the backyard pool of a lifetime.

What impact can a swimming pool have on my home and family?
A swimming pool brings so much to any home – entertainment, closer relationships, less screen time, more healthy exercise, and so much more. Installing a new swimming pool also adds great value to your at-home lifestyle and can even boost your home’s equity! The right swimming pool can set the stage for premier family time, backyard parties, restorative relaxation, holiday celebrations, and a gathering space for kids and adults alike.

When you want to build an inground pool – whether fiberglass, concrete, or vinyl liner – you’re going to need the best financing to get this major home improvement project completed according to your dreams.

That’s why HFS Financial offers the leading options for swimming pool loans for your sensational new pool. Plus, it couldn’t be easier to get started on the financing you need to make all your backyard pool dreams happen. With our quick, 60-second inquiry, you can start the process of discovering your own incredible backyard transformation.

Where can I find swimming pool loans with good rates?
HFS Financial can help you find the perfect financing options for your new swimming pool. Why use HFS Financial for your new pool? For over 55 years, we have specialized in helping consumers find the right swimming pool loans to ensure the most pleasant overall pool financing experience. 

If there’s anyone who knows the swimming pool financing industry, it’s HFS Financial. We’re all too familiar with the complicated process it used to take to get a swimming pool loan. So, we established HFS Financial to turn a complicated process into a fast and simple one. Cut through the red tape with an easy process that involves far less paperwork and far more beneficial options than other financing available. Now you can spend more time building a new swimming pool in your backyard and less time struggling to finance the project before it even starts.

How can I know I am getting the right pool loan for my needs?

One of the most important parts of funding is being able to do what you want, when you want, with your own money. Our direct-to-consumer financing gives you complete control over your own funding – making you a cash buyer from the get-go. And with no staged funding, your perfect pool project will never be held up for inspections, approval, or other delays often associated with other types of financing options. 
 
Are loans with HFS Financial hassle free?

You’ll receive 100% of your financing up front – allowing you to make the purchases, payments, and decisions you need to get your stunning new backyard pool completed quickly. Check out our online reviews to see all the happy customers who chose HFS for their pool loan. Our goal is provide the easiest pool loans in the industry. We get you a loan, and then we leave you alone!
 
 
How much can I finance and for how many years can you finance a pool?

A very common question is “what are typical pool loan terms?”. Often, pool lenders cap their lending at 10- to 15-year terms. However, when you work with HFS Financial for your swimming pool loan needs, you can lengthen the term of your pool loans to up to 20 years. Not only does this allow for a lower monthly payment, but our fixed-rate payment options and excellent interest rates make building your dream pool cost-effective.

The average cost of in-ground swimming pool loans is between $20,000 – $100,000. With loans up to $500,000, the sky’s the limit on all of the ways you can make your backyard the most beautiful space at home. And with swimming pool loans and other home improvement loans available, you can maximize your money by planning your projects at the same time. When you have a contractor who specializes in building exceptional backyard retreats, check out their full array of offerings for your new backyard space.

How fast will my swimming pool loan be funded?

At HFS Financial, we work tirelessly to ensure that you have the money in hand that you need right when you need it. Once your application is submitted, we quickly notify you of your funding options – often in as little as 24 hours! You’ll also have a dedicated expert on hand to walk you through all of the details concerning your project financing. In fact, you can reach our team anytime by calling 1-800-254-9560.
With ultra-fast funding, you can get started on your project as soon as you want. Don’t waste precious time chasing financing that will leave you frustrated: facing staged funding, dealing with unnecessary approvals and delays, or being waylaid by other red tape and roadblocks. At HFS, we get your pool loan funded as quickly as possible, so you can get started on your dream pool ASAP. 

What if I need to improve the area around my new swimming pool with landscaping, fencing, or decking?

As you plan your new swimming pool, you may realize the need for additional financing for other home improvement projects like privacy or chain link fencing, a pool enclosure, a new deck, backyard landscaping, and more. Do you need to apply for separate financing? Not with HFS Financial! Roll your entire project into one easy-to-secure loan. We offer an array of home improvement financing options for both exterior and interior projects.

With the help of the expert staff at HFS Financial, you can obtain the home improvement and swimming pool loans you need to a backyard that will be the talk of the neighborhood. From new hardscaping and decking to a beautiful outdoor kitchen, you can truly build a custom space to live your best life at home. Whether poolside cooking and dining are in your vision, or you want new hardscaping and landscaping that complement your gorgeous new pool, you can have it all with financing through HFS Financial.

I’m ready! How do I find out my pool loan rates and payment options?

If you’ve been dreaming about finally building a new swimming pool in your backyard, make your dreams a reality by applying with HFS Financial today! HFS is your hassle-free unsecured swimming pool loans solution for all of your swimming pool loan needs. You receive your full loan amount up front, so you control your pool project.

Create the backyard retreat that all of your family, friends, and guests will love. With HFS Financial, “You Dream It, We Finance It!”

Writer's pictureShelby Oliver

How to Properly Close Your Pool for Winter: A Step-by-Step Guide


Close Your Pool for Winter

As the warm days of summer begin to fade and the crisp air of fall settles in, it's time to start thinking about closing your pool for the winter. Properly winterizing your pool is essential to protect it from damage, maintain water quality, and ensure that opening it next season is a breeze. By taking the time to close your pool correctly, you'll save yourself time, money, and headaches in the long run. This guide will walk you through the essential steps to closing your pool for winter, ensuring it stays in top condition during the off-season.


1. Gather Your Supplies


Before you begin the process of closing your pool, make sure you have all the necessary supplies on hand. Here's a checklist of the items you'll need:


  • Pool cover (winter cover or safety cover)

  • Pool cover pump or siphon

  • Winterizing chemicals (including pool shock, algaecide, and pH balancers)

  • Pool brush and vacuum

  • Skimmer plugs and return line plugs

  • Air pillow (for above-ground pools)

  • Pool antifreeze (for areas with freezing temperatures)

  • Pool water testing kit

  • Pool closing kit (optional, but recommended)


Having everything ready before you start will make the process smoother and more efficient.


2. Balance the Water Chemistry


Properly balancing your pool's water chemistry is one of the most critical steps in the winterization process. Start by testing the water using a pool testing kit to check the levels of pH, alkalinity, and calcium hardness. Adjust these levels as necessary:


  • pH: Aim for a pH level between 7.4 and 7.6.

  • Alkalinity: The ideal range is between 100 and 150 ppm (parts per million).

  • Calcium Hardness: Maintain a level between 200 and 400 ppm.


Balancing these levels will help prevent corrosion, scaling, and algae growth during the winter months. After adjusting the levels, add a pool shock to the water to eliminate any remaining contaminants. Follow this with an algaecide to prevent algae from taking hold while the pool is covered.


3. Clean the Pool Thoroughly


Once the water chemistry is balanced, it's time to give your pool a thorough cleaning. Start by skimming the surface to remove leaves, debris, and insects. Next, use a pool brush to scrub the walls, floors, and steps of the pool, paying extra attention to areas where algae or dirt may have accumulated.


After brushing, vacuum the pool to remove any remaining debris from the bottom. Cleaning your pool thoroughly before closing it helps prevent staining, algae growth, and other issues that can arise over the winter.


4. Lower the Water Level


The next step is to lower the water level in your pool. For inground pools, reduce the water level to about 4-6 inches below the skimmer to prevent freezing and damage to the plumbing. For above-ground pools, the water level should be lowered to just below the skimmer.


Lowering the water level helps to protect your pool's structure and equipment from freezing temperatures, which can cause significant damage. Be careful not to drain too much water, as this can cause the liner to shrink or the pool to shift.


5. Drain and Protect the Equipment


To protect your pool's equipment from freezing temperatures, it's essential to drain and winterize all components. Start by turning off the pool pump and filter, and then drain any water from the pump, filter, heater, and chlorinator. If your equipment has a multiport valve, set it to the "winterize" position.


For areas prone to freezing temperatures, it's a good idea to add pool antifreeze to the plumbing lines to prevent any remaining water from freezing and expanding. Plug the skimmer and return lines with appropriate plugs to keep water out of the lines during the winter months.


6. Add Winterizing Chemicals


To keep your pool water in good condition throughout the winter, add the appropriate winterizing chemicals. These chemicals are designed to protect your pool from algae growth, scaling, and other issues during the off-season. A typical winterizing chemical kit includes:


  • Pool Shock: Added earlier during the water balancing stage to eliminate contaminants.

  • Algaecide: Prevents algae from forming while the pool is closed.

  • Stain and Scale Preventer: Helps prevent stains and scale buildup on the pool surfaces.


Follow the instructions on the chemical labels for the correct dosages based on the size of your pool. Distribute the chemicals evenly throughout the water, using a pool brush or circulation system to ensure they are well-mixed.


7. Cover the Pool


Covering your pool is one of the most important steps in the winterization process. A high-quality pool cover will protect your pool from debris, prevent algae growth, and keep out sunlight, which can cause chemical imbalances.


For inground pools, consider using a safety cover, which not only keeps out debris but also provides a barrier for children and pets. Above-ground pools should be covered with a winter cover secured with a cable and winch system to keep it in place.


If you have an above-ground pool, consider placing an air pillow in the center of the pool before covering it. The air pillow helps to prevent the cover from collapsing under the weight of snow and ice, and it reduces the pressure on the pool walls by allowing ice to expand inward.


8. Monitor and Maintain


Even after your pool is closed, it's important to monitor and maintain it throughout the winter. Check the cover periodically to ensure it is secure and free of debris. If water or snow accumulates on top of the cover, use a pool cover pump or siphon to remove it. Excess weight on the cover can cause it to sag or tear, leading to potential damage to your pool.


If you live in an area with freezing temperatures, be mindful of ice formation on the cover. While a small amount of ice is usually not a problem, heavy ice buildup should be carefully removed to avoid damaging the cover or pool structure.


9. Prepare for Spring Opening


By following these steps to close your pool for winter, you'll set yourself up for a smooth and easy opening come spring. When it's time to open your pool again, you'll find that the water is clearer, the equipment is in better shape, and the overall process is less time-consuming and costly.


As you close your pool, take note of any issues or repairs that may need attention before reopening next season. Addressing these during the winter can help you avoid delays when you're ready to enjoy your pool again.


Conclusion


Closing your pool for the winter is a crucial task that, when done correctly, can protect your investment and make your pool easier to open in the spring. By balancing the water chemistry, cleaning the pool, lowering the water level, protecting the equipment, adding winterizing chemicals, and covering the pool properly, you'll ensure that your pool stays in great condition throughout the colder months. With the right preparation, you can look forward to a hassle-free opening and a full season of swimming and relaxation next year.

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