At US Koi Ponds, we tell our customers that the cheapest pond you can build, is the one you build ONCE. Many times, people would build a small pond due to budget constraints, just to redo it several years later bigger and sometime even a third pond as the fish grow bigger and they enjoy having more fish variety. Giving the homeowners the choice to pay for it over a period of time rather than saving all the cash to pay up front helps them build their dream pond today and not worry about making it bigger in the future. We will rather build you your dream pond once than have to redo it at a later date to make it bigger. US Koi Ponds has been approved as a builder with HFS Financial who specializes in pool and home improvement financing in the USA and offers one of the most competitive loan terms available in this market.