I'm currently financing mine (or at least $7500 of it). When they asked what it was for, I just said we recently moved and needed to buy some stuff for the house (which isn't a lie), so they wrote it up as a home improvement loan. I don't know if the outcome would be any different if I said it was for a pond, but I didn't want to risk it. The lender I use is One Main Financial, and I believe they have them in your area. If you do a secure loan (have a car or something valuable as collateral), they're quick to approve you.
