If another lender offers you a better rate on a comparable unsecured loan — same amount, same term — on the same day, LightStream beats it by 0.10 percentage points. Must be an unsecured loan, not a HELOC. Proof required before funding.
Financing
Don't let money stop you.
Custom Pools partners with LightStream by Truist — unsecured personal loans that don't touch your home equity. Here's how it works, and a quick way to see if it fits.
Financing through 
Built for pool buyers.
- 01
No fees
No origination, no prepayment penalty, no application or late fees. What's quoted is what you pay.
- 02
No equity required
Unsecured personal loan — your house stays out of it. No liens, no appraisal, no title work, no second mortgage.
- 03
Fixed rates
Set once at funding and locked for the life of the loan. The monthly payment never moves.
- 04
Funded fast
Same-day funding is possible after approval. Different category of product than a HELOC's weeks-long underwriting.
Versus HELOC. Versus cash.
Every financing option has tradeoffs. Here's what actually differs between the three most common ways people pay for a pool — including where LightStream isn't the winner.
| LightStream | HELOC | Cash | |
|---|---|---|---|
| Home as collateral | No | Yes | — |
| Appraisal required | No | Yes | — |
| Rate type | Fixed | Variable | — |
| Payment certainty | Locked for life | Changes with rates | — |
| Funding speed | Same day possible | 30–45 days | Immediate |
| Interest tax-deductible | No | Sometimes | — |
Real guarantees, on paper.
If you're not satisfied with how your loan was handled, tell them within 30 days of funding and they'll send you $100. It's a service guarantee — not a rate guarantee — but no other major lender does anything like it.
Five quick questions.
No name, no email, no credit check. This is a self-assessment to help you decide whether to apply at LightStream or talk to us first.
Your result
Heads up
LightStream's "check your rate" runs a hard credit inquiry — not a soft pull. If you're shopping multiple lenders, line up all your applications within a 14-day window so the inquiries bundle as one on your credit report.
Service Areas
Compare Financing by Service Area
These local pages include city-specific installation context, service details, and FAQs to help you estimate project scope before applying.
LightStream is a division of Truist Bank, Member FDIC. NMLS #399805. All loans subject to credit approval. Rates change — see lightstream.com for the current figures.