Build now.
Pay over time.
Soft-pull pre-approval in under 10 minutes — no impact on your credit score. We work with multiple pool and outdoor-living lenders so you can compare offers and pick what fits your budget.
10 minutes
Most clients get a soft-pull pre-approval decision in under 10 minutes online.
Soft credit pull
Checking your rate does not affect your credit score. Hard pull only at final application.
7–20 year terms
Loan terms from 7 to 20 years. No prepayment penalties on most programs.
Every project,
every budget.
Pool projects, full backyard transformations, and stand-alone upgrades all qualify. Smaller jobs like turf, pavers, and lighting start around $5,000 — full custom pools run $65,000–$120,000+.
- Custom pools & spas
$65k–$250k typical
- Full backyard transformation
$120k–$250k+ typical
- Outdoor kitchens & ramadas
$15k–$60k typical
- Pavers & travertine decks
$15k–$50k typical
- Artificial turf installs
$8k–$30k typical
- Landscape & accent lighting
$5k–$20k typical
From rate check to first swim.
- 01
Get your free design & quote
Free in-home consultation, 3D design preview, and fixed-price quote — usually within 24 hours.
- 02
Check your rate (soft pull)
Apply online with our lending partner. Soft credit pull, no impact on your score. Decision in under 10 minutes.
- 03
Compare offers
We work with multiple pool-specialized lenders. Pick the term and monthly payment that fit your budget.
- 04
Build begins
Sign the loan, sign the build agreement, and we break ground. Most pools are swimmable in 8–12 weeks.
Financing FAQ.
Will checking my rate hurt my credit?+
No. Pre-qualification uses a soft credit pull and does not affect your credit score. A hard pull only happens if you choose to move forward with the final loan application.
How long does pre-approval take?+
Most clients receive a soft-pull pre-approval decision in under 10 minutes online.
What loan terms are available?+
Our lending partners offer terms from 7 to 20 years, with no prepayment penalties on most programs.
Can I finance just turf or pavers?+
Yes. Smaller projects like turf, pavers, pergolas and landscape lighting qualify for unsecured outdoor-living loans starting around $5,000.
Is the loan tied to my house?+
Most of our partner loans are unsecured — they are not a HELOC and do not put a lien on your home. You'll see this clearly on the loan disclosure before signing.
Can I pay it off early?+
Most programs have no prepayment penalty. Pay it off whenever you'd like — including in full once the project completes.
Ready to see your number?
Get your free design and fixed-price quote first — then check your rate with no credit impact. No pressure, no sales script.
AE Outdoor Living is not a lender. Financing is provided by independent third-party lenders, subject to credit approval. See full financing disclaimer.