Make your dream backyard affordable with flexible financing from Platinum Pool, Spa & Sauna. We partner with two trusted lenders to offer financing options for projects of all sizes—from a cozy barrel sauna to a complete fiberglass pool installation.
What Can Be Financed?
- Hot tubs – American Whirlpool & Viking Spas
- Swim spas – American Whirlpool & PowerPool models
- Fiberglass pools – Leisure Pools with lifetime warranty
- Above-ground pools – Little Pool Co & Carvin
- Saunas – Setri barrel saunas & MAAX infrared saunas
- Installation packages – excavation, decking, electrical, and more
Pool Financing with Lyon Financial
Best for: Fiberglass pools, swim spas, and major backyard projects over $5,000.
Lyon Financial has specialized in pool and backyard financing for over 40 years. They understand that a pool project involves more than just the shell—their loans can cover excavation, decking, plumbing, electrical, fencing, and landscaping as part of your complete project.
- Terms up to 30 years – Keep monthly payments low
- Loan amounts $5,000 to $500,000 – Finance your entire backyard transformation
- Competitive rates – Fixed rates available
- No prepayment penalties – Pay off early without extra fees
Example: A $75,000 fiberglass pool financed over 15 years could be around $550-650/month depending on rate and terms.
Hot Tub & Sauna Financing with Upgrade
Best for: Hot tubs, saunas, and purchases under $25,000.
Upgrade offers fast online approval—often within minutes—making it ideal for hot tub and sauna purchases. Their streamlined process means you can get approved and start enjoying your purchase sooner.
- Quick online approval – Decisions in minutes, not days
- Flexible terms – Choose the payment schedule that fits your budget
- Fixed monthly payments – Know exactly what you'll pay each month
- No prepayment penalties – Pay off early if you want
Example: A $12,000 hot tub financed over 5 years could be around $220-260/month depending on rate.
Frequently Asked Questions
- What products can I finance?
- You can finance hot tubs, swim spas, fiberglass pools, above-ground pools, barrel saunas, infrared saunas, and select installation packages. Both new purchases and backyard renovation projects qualify.
- Can I finance pool installation costs?
- Yes. Lyon Financial specializes in pool and backyard improvement financing, covering not just the pool shell but also excavation, decking, electrical, plumbing, fencing, and landscaping as part of your project.
- Do I need perfect credit to get approved?
- Not necessarily. Both Lyon Financial and Upgrade work with a range of credit profiles. Upgrade offers quick online approval for smaller purchases, while Lyon Financial has options for various credit situations on larger pool projects.
- How fast can I get approved?
- Upgrade typically provides approval decisions within minutes for hot tubs and saunas. Lyon Financial pool financing applications are usually processed within 1-2 business days.
- Can I pay off my financing early?
- Yes. Both Lyon Financial and Upgrade allow early payoff without prepayment penalties, so you can pay down your balance faster if you choose.
Current Promotions
Ask about our current special financing rates and promotional offers. We frequently offer 0% APR promotional periods and reduced rates on select products. Contact us or visit our showroom to learn about current deals.
Ready to Get Started?
Visit our St. Cloud showroom to see hot tubs, pools, and saunas in person, or contact us to discuss financing options for your project.
Platinum Pool, Spa & Sauna2178 Quebecor Rd NE, St. Cloud, MN 56304
Phone: (763) 250-1333
Email: aaron@platinumll.com
Hours: Mon-Fri 10AM-5PM, Sat 11AM-4PM