Your Dream Pool.
No Money Down.
Rhino Pool Pros partners with HFS Financial to offer 120% financing, fixed rates, and terms up to 20 years — with same-day qualification and no impact to your credit score.
The Best Pool Financing in Texas
120%
Financing Available
Covers pool + landscaping + outdoor kitchen
20 Yrs
Maximum Loan Term
Keep monthly payments low and manageable
Same Day
Qualification Decision
Apply online and hear back the same day
0 Impact
To Your Credit Score
Soft inquiry only — no hard pull to qualify
How Pool Financing Works
I
Apply Online
Complete the short HFS Financial application in minutes. No hard credit pull at this stage — just a soft inquiry that won't affect your score.
II
Same-Day Decision
Receive your qualification decision the same day — often within hours of submitting. Review your rate, term, and monthly payment options.
III
Lock In Your Rate
Choose the loan amount and term that fits your budget. HFS Financial locks in your fixed rate so your payment never changes.
IV
Build Your Pool
Funds are released directly to Rhino Pool Pros at project milestones. You enjoy the process — we handle the rest.
One Loan Covers
Your Entire Backyard
HFS Financial's 120% financing means you can roll your entire backyard project into a single loan — pool, spa, water features, outdoor kitchen, landscaping, and more. No juggling multiple lenders.
Check My Rate →New Pool Construction
Custom gunite pools from the ground up
Pool Remodels & Renovations
New plaster, tile, coping, decking
Water Features & Grottos
Waterfalls, grottos, raised wall features
Outdoor Kitchens
Grills, countertops, full outdoor living
Landscaping & Hardscape
Covered by the 120% financing option
The Difference Is Who Controls the Money
Traditional Pool Lenders
Loan Proceeds Are Paid Directly to the Contractor
With most traditional home improvement lenders, loan proceeds bypass the borrower entirely — funds are disbursed directly to the contractor on a draw schedule controlled by the lender. You sign the loan, but the contractor receives the money, leaving you with limited oversight and little recourse if the project scope or timeline changes.
- ✕Funds disbursed directly to the contractor
- ✕Homeowner has no direct control over payments
- ✕Draw schedule set by the lender, not the borrower
- ✕Limited recourse if project scope changes mid-build
HFS Financial
The Full Loan Amount Is Funded Directly to You
HFS Financial funds the full loan amount directly to you — the borrower — not to Rhino Pool Pros or any other contractor. You receive the money, you control the budget, and you pay your contractor on your own terms. This puts you in the driver's seat from approval through final payment.
- ✓Full loan funded directly to you, the borrower
- ✓You pay Rhino Pool Pros on your own schedule
- ✓Complete visibility and control over every dollar
- ✓No lender-controlled draw schedule to navigate
Pool Financing FAQ
Further Reading
How to Finance a Pool in Houston, TX — The Complete HFS Financial Guide →Rates, terms, qualification requirements, and the step-by-step process explained in detail.
Ready to Build Your Pool?
Apply for financing today — same-day decision, no credit impact. Then schedule your free design consultation with Rhino Pool Pros.