Can I finance a pool enclosure and a new deck at the same time?

Absolutely. That's one of the primary benefits of using a personal loan. Because the funds are deposited directly into your account as cash, you have complete control over how they are spent. You can pay one contractor for the enclosure, another for concrete or paver work, and even use remaining funds for electrical work or new patio furniture. Just be sure to calculate your total project cost accurately when applying for your loan amount.

Are there special loans for pool cages in Florida due to hurricane codes?

There isn't a specific loan product called a "hurricane-code pool cage loan." However, lenders who operate in Florida are very familiar with the higher costs associated with building structures to modern wind-load specifications. They will factor these higher project costs into their lending decisions. When you apply, the loan purpose is for a home improvement, and the amount you request should reflect the quotes you've received from contractors who build to your local codes.

Can I get a loan for a more expensive retractable or motorized pool enclosure?

Yes. The process for financing a high-end retractable, glass, or motorized enclosure is the same as for a standard screen one. The only difference is the loan amount you will need to request. These systems can be significantly more expensive, so you'll need to ensure your income and credit profile support borrowing a larger amount. Lenders will evaluate your application based on the same criteria regardless of the specific type of enclosure.

Is it better to use a personal loan or a HELOC for a lanai?

It depends on your priorities. A personal loan is much faster (funding in days vs. weeks for a HELOC), has a fixed interest rate for predictable payments, and is unsecured (your home is not at risk). A HELOC might offer a lower, variable interest rate but requires a lengthy appraisal process and uses your home as collateral. If speed, simplicity, and avoiding liens on your property are most important, a personal loan is often the better choice.

How quickly can I get funds for my pool screen project?

The entire process is designed for speed. The initial rate check takes only a few minutes. If you pre-qualify and choose to proceed, you'll complete a final application with your chosen lender. Once you are fully approved and have signed your loan agreement, funds are typically deposited into your bank account within 1 to 3 business days, allowing you to secure your contractor promptly.

Does the loan go directly to the contractor?

No, and this is a key feature. The loan funds are disbursed directly to your personal bank account. This puts you in control. You can then pay your contractor according to the schedule laid out in your contract (e.g., a deposit to start, progress payments, and a final payment upon completion). This protects you and gives you leverage to ensure the work is completed to your satisfaction.

Financing for Your Pool Enclosure or Lanai

Get the funds you need to build a screen enclosure, pool cage, or Florida room, protecting your pool from bugs and debris year-round.

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Your Perfect Pool Isn't Quite Finished

Bugs, leaves, and debris constantly ruin your pristine pool.
A screen enclosure provides a simple, permanent solution, and a personal loan provides the immediate funding to build it.
Contractors want a large deposit or full payment, and you'd rather not drain your savings.
A personal loan gives you a lump sum of cash, allowing you to pay your contractor on their terms while keeping your savings intact for emergencies.
The installer's financing seems complicated or has surprisingly high rates.
We help you compare offers from a network of lenders, ensuring you find a competitive rate and terms that work for you, not just the contractor.
You want to add a lanai or Florida room, but the high upfront cost is a barrier.
Break down the cost of a major outdoor living project into predictable, manageable monthly payments that fit your budget.

A Personal Loan Makes Your Dream Enclosure a Reality

You've already made the investment in a beautiful swimming pool. Now it's time for the finishing touch that elevates it from a simple pool to a true outdoor oasis: a screen enclosure. Whether you call it a pool cage, a lanai, or a Florida room, its purpose is the same—to provide comfort, cleanliness, and security. The only hurdle is the significant upfront cost, which can range from $8,000 to over $30,000. A personal loan for a pool enclosure is a straightforward financial tool designed to bridge this gap. It provides you with a single, lump-sum payment deposited directly into your bank account. You can then use these funds to hire any contractor you choose, purchase the best materials, and get your project started right away.

Unlike other financing options that might be tied to a specific installer or use your home as collateral, an unsecured personal loan offers maximum freedom. The funds are yours to manage, allowing you to cover not just the enclosure itself but also related costs like concrete work, electrical wiring for fans or lighting, or even new patio furniture. With a fixed interest rate and a set repayment term, you'll have a clear, predictable monthly payment, making it easy to budget for your new and improved outdoor living space.

A Simple Path to Funding Your Project

1
Complete Our Quick Form
Provide some basic information about yourself and your project. This takes about two minutes and won't affect your credit score.
2
Compare Your Loan Options
If you pre-qualify, you'll see potential offers from our network of lenders. Compare APRs, terms, and monthly payments side-by-side.
3
Finalize and Get Funded
Select the best offer for you, complete the final application with the lender, and once approved, funds are typically deposited in your account within 1-3 business days.

Example scenario

We desperately needed an enclosure for our new pool in Central Florida. The quotes were higher than we expected. Using this service, we got the loan we needed in two days and our contractor started the following week. No more fishing leaves out every morning!

Mark & Jennifer P.·Homeowners, Orlando, FL

Estimating Your Pool Enclosure Loan Costs

Aluminum Structure & Framing Approx. $7 - $15 per sq. ft.	$7,000 - $15,000
Screening Material (Standard vs. Premium) Approx. $1.50 - $4 per sq. ft.	$1,500 - $4,000
Labor & Installation Varies by complexity	$4,000 - $10,000
Permits & Engineering Fees Required in most areas	$500 - $2,000

Estimated monthly

$399/mo

Based on a $18,000 loan with a 5-year term at 11.99% APR.

The total cost of a new pool enclosure can vary significantly based on your location, the size of your pool deck, the materials you choose, and the complexity of the design. For example, a simple rectangular cage in an area with standard building codes will be much less expensive than a complex, multi-angled enclosure in a high-wind zone like coastal Florida, which requires more robust engineering and materials. When getting quotes from contractors, be sure to ask about the different grades of aluminum and types of screens available. A slightly higher initial investment in a stronger frame or pet-resistant screen can save you money on repairs down the line. A personal loan can cover all these costs, so it's wise to borrow enough to build the enclosure you truly want without compromise.

See What Your Monthly Payment Could Be

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Understanding Loan Parameters

Loan amount: $8,000 – $30,000
APR: 7.99% – 35.99%
Term: 24 mo – 84 mo

Your actual APR will depend on factors like your credit score, income, loan amount, term length, and credit history. Only the most creditworthy borrowers will qualify for the lowest rates. Loan amounts and terms may vary by lender.

When you review your loan offers, you'll see these three key numbers. The loan amount is the total cash you'll receive. The term is how long you have to pay it back—a longer term means a lower monthly payment, but more total interest paid over the life of the loan. The Annual Percentage Rate (APR) is the total cost of borrowing, including interest and any fees. Your goal is to find a combination of these factors that results in a monthly payment you can comfortably afford while minimizing the total cost of the loan. Lenders assess your financial profile to determine your specific rates, with stronger credit scores and lower debt-to-income ratios typically receiving more favorable offers.

Financing Options for Your Pool Cage

	Personal Loan	HELOC	Contractor Financing
Collateral Required	No, it's unsecured.	Yes, your home.	Usually no.
Funding Speed	Fast (1-5 days)	Slow (4-6 weeks)	Varies (can be fast)
Interest Rate Type	Fixed	Variable	Often higher, may have 0% intro
Flexibility	High (Cash in your bank)	High (Draw as needed)	Low (Tied to one installer)

While a personal loan is a popular choice for its speed and simplicity, it's worth understanding the alternatives. A Home Equity Line of Credit (HELOC) may offer a lower interest rate, but it uses your home as collateral, which is a significant risk for many homeowners. The application process is also much longer, similar to a mortgage. Contractor financing can be convenient, but it locks you into one specific company, and the terms might not be as competitive as what you could find on the open market. For many, the balance of speed, fixed rates, and the unsecured nature of a personal loan makes it the ideal fit for a pool enclosure project.

What You'll Need to Qualify

Credit Score: Most lenders prefer scores of 640 or higher for the best rates, though some partners have options for scores as low as 580.
Verifiable Income: You'll need to show you have a steady source of income through pay stubs, bank statements, or tax returns.
Debt-to-Income (DTI) Ratio: Lenders look for a DTI below 43%, which shows that you have enough income to comfortably handle a new loan payment.
Credit History: A positive history of on-time payments demonstrates financial responsibility and reduces risk for the lender.
US Citizenship/Residency: Applicants must be a US citizen or permanent resident, be at least 18 years old, and have a valid Social Security number.

Find Out What You Qualify For

It takes just a couple of minutes to see your options from our network of lending partners.

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Pool Enclosure Terms to Know

Pool Cage: A common term, especially in Florida, for a large screen enclosure that covers the entire pool and deck area. It's built with an aluminum frame.
Lanai: A Hawaiian term for a roofed, open-sided veranda or porch. In the context of pools, it often refers to a covered patio area that is screened in.
Florida Room: Typically a more finished room attached to a house with many windows to let in light, often overlooking a pool. It can be screened or have glass windows.
Screen Gauge: Refers to the thickness and durability of the screen material. Higher gauges or specialty screens (like pet-proof or high-visibility) cost more.

Ready to Start Your Application?

Our simple process will guide you through.

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Pool Enclosure & Lanai Financing FAQs

Can I finance a pool enclosure and a new deck at the same time?
Absolutely. That's one of the primary benefits of using a personal loan. Because the funds are deposited directly into your account as cash, you have complete control over how they are spent. You can pay one contractor for the enclosure, another for concrete or paver work, and even use remaining funds for electrical work or new patio furniture. Just be sure to calculate your total project cost accurately when applying for your loan amount.
Are there special loans for pool cages in Florida due to hurricane codes?
There isn't a specific loan product called a "hurricane-code pool cage loan." However, lenders who operate in Florida are very familiar with the higher costs associated with building structures to modern wind-load specifications. They will factor these higher project costs into their lending decisions. When you apply, the loan purpose is for a home improvement, and the amount you request should reflect the quotes you've received from contractors who build to your local codes.
Can I get a loan for a more expensive retractable or motorized pool enclosure?
Yes. The process for financing a high-end retractable, glass, or motorized enclosure is the same as for a standard screen one. The only difference is the loan amount you will need to request. These systems can be significantly more expensive, so you'll need to ensure your income and credit profile support borrowing a larger amount. Lenders will evaluate your application based on the same criteria regardless of the specific type of enclosure.
Is it better to use a personal loan or a HELOC for a lanai?
It depends on your priorities. A personal loan is much faster (funding in days vs. weeks for a HELOC), has a fixed interest rate for predictable payments, and is unsecured (your home is not at risk). A HELOC might offer a lower, variable interest rate but requires a lengthy appraisal process and uses your home as collateral. If speed, simplicity, and avoiding liens on your property are most important, a personal loan is often the better choice.
How quickly can I get funds for my pool screen project?
The entire process is designed for speed. The initial rate check takes only a few minutes. If you pre-qualify and choose to proceed, you'll complete a final application with your chosen lender. Once you are fully approved and have signed your loan agreement, funds are typically deposited into your bank account within 1 to 3 business days, allowing you to secure your contractor promptly.
Does the loan go directly to the contractor?
No, and this is a key feature. The loan funds are disbursed directly to your personal bank account. This puts you in control. You can then pay your contractor according to the schedule laid out in your contract (e.g., a deposit to start, progress payments, and a final payment upon completion). This protects you and gives you leverage to ensure the work is completed to your satisfaction.

Start Your Project Today

Personal loan disclosure

Money Savvy is not a lender. We are a marketing service that connects consumers with participating lenders. Rates, amounts, and terms vary by lender, your credit history, and other factors.

Loan amounts: $1,000 – $100,000
Repayment terms: 3 – 84 months
Min APR: 5.99%
Max APR: 35.99%
Origination fees: 0% – 10% of the loan amount
Late fees: May apply; vary by lender

Representative example: A $10,000 loan with a 36-month term at an 18.99% APR would have an approximate monthly payment of $366.39 and a total cost of $13,190.04, including interest and a $500 origination fee.

Your actual APR depends on your credit score, income, and other factors. Only borrow what you can afford to repay.

California residents: California Financing Law disclosures available upon request.