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Above-ground pool financing may be easier to secure than you think. It may also be more affordable than you think.

Essentially, financing allows you to get an above-ground pool, buy now pay later style.

Personal loans are a popular option for above-ground pool financing, although there are other options too.

You should educate yourself about financing options so that you can make the best decision. You may be asking yourself, ‘where can I finance an above-ground pool?’ Keep reading to find out.

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How to Get Above Ground Pool Financing

An above-ground pool can be financed with a personal loan or in some cases, a home equity loan. Swimming pool loans can be expensive though, especially if you do not have the best credit score or a high debt-to-income ratio. With a cost of over a thousand dollars, you might be wondering how exactly you can score a personal loan to pay for the swimming pool. Keep reading to discover the answers to questions about above ground pool financing.

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Can you finance an above-ground pool?

Yes, you can get financing for an above-ground pool. Above-ground pools are a cheaper alternative to having an in-ground pool constructed in your backyard, however, they can still cost upwards of $12,000 in some cases. For a high-quality above-ground pool, you may want to secure financing to pay for the pool and to pay laborers to construct the pool. You may be able to save some money by doing the installation yourself, however, if you want to ensure your pool is installed safely and properly, leaving it to the professionals may be worth the little extra cost. Either way, there are a few popular finance options available for homeowners looking to install an above-ground pool in their yard. Some of those options include unsecured personal loans, credit cards, home equity loans, and direct financing through the seller. Here is a little more information about the different types of above-ground pool financing available.

  1. Unsecured personal loan: Unsecured personal loans are an extremely popular way to borrow money to install an above-ground pool. Unsecured personal loans are fixed-rate installment loans that do not require collateral. Personal loans can be found through your personal bank, credit union, or online lenders.
  2. Credit card: If you plan on paying off your pool purchase within a few months, a credit card could be a quick and easy option to pay for your above-ground pool installation. However, if you are planning on paying off your pool over the course of 6-months or more, then you may want to consider other finance options, like a personal loan, that most likely will have a lower interest rate.
  3. Home equity loan/HELOC: You typically would not apply for a home equity loan for a mere couple thousand dollars to pay for an above-ground pool. Instead, you may want to consider a home equity loan if you plan on also installing a new concrete patio or building a deck around your above-ground pool. Basically, home equity loans, since the process is quite complex, are typically reserved for larger sums of money. HELOCs on the other hand are better for purchasing an above-ground pool for a few thousand dollars and then you can keep the line of credit open and borrow more in the future for other projects. Both home equity loans and HELOCs use your home as collateral to secure the loan.
  4. Seller financing: Many pool dealers offer their own internal financing or they partner with a lender to specifically provide funding for pool purchases and installations. This could be a great option for many people, however, it is recommended that you also prequalify for an unsecured personal loan as well so that you can compare the interest rates and terms of the personal loans versus what the pool dealer is offering.

These are just a few of the options that many homeowners consider when they are looking to have an above-ground pool constructed on their property.

How do you finance an above-ground pool?

There are many ways you can finance an above-ground pool:

  • Unsecured personal loans: These don't require collateral and are preferred by many people who don't have an asset or don't want to put an asset up against their loan. Since there is no collateral though, you may have higher interest rates than home equity loans or other kinds of secured loans. Personal loans are usually offered by online lenders, peer-to-peer lenders, and credit unions. You have many options for looking into unsecured loans.
  • Home equity loans: In some cases, a home equity loan can make sense for above-ground pool financing. While you may secure a lower interest rate than with a personal loan, you will be required to use your home as collateral and it may be harder to qualify. When you use the funds of your home equity loan to pay for improvements on the home that secures the loan, you can also itemize the deductions on your tax deduction. However, many people don't like the option because it means their home may be at risk if they stop making payments on the loan. They are usually paid back over a longer time than personal loans as well, so you may have monthly payments for much longer. You will also need to have built-up substantial equity in your home to qualify.
  • Financing through the pool company: Some pool companies offer their own payment plans and financing options for customers. You can consult with the pool company and ask them if they offer any financing options. They will probably charge interest and fees just like loan companies, so always compare the rates and shop around before choosing what lending option is best for you.

What credit score do you need to finance an above-ground pool?

If you are looking for an unsecured personal loan to finance an above-ground pool, many lenders may want to see a credit score of 660 or above, although you may be able to find a lender willing to work with a homeowner with a credit score as low as 560. If you do qualify for an unsecured personal loan with a credit score as low as 560, you may want to prepare for the possibility you may be required to pay an APR as high as 35.47%. If that is the case, you may want to contemplate whether or not having an above-ground pool installed at your property is really the smartest financial move at the moment.

Some lenders are set up for fair credit borrowing. You might have high interest or a high APR, but you should be able to get funding through one of these lenders. Always remember to compare multiple options before choosing one. Ensure you are getting the best deal possible.

How much can you borrow to finance an above-ground pool?

This depends on your credit and your financial situation. Lenders usually use these factors to determine how much financing you can be approved for and how much money they are willing to give you. If you use a personal loan or home improvement loan, the lender may not ask you to specify how the funds will be used. You will need to apply for a certain loan amount and see if you qualify. Most lenders will have minimum and maximum loan amounts they can offer. You may want to check these before applying for a loan. Keep in mind though, that just because a lender is capable of funding a certain amount, does not mean you will qualify.

Try to only take out the money you need so that you aren't stuck paying more interest. Some personal loan companies offer loans as much as $100,000, while other lenders give out loans of $20,000 or less.

The higher your credit and the lower your debt-to-income ratio, the more money you will likely be able to receive. You can also shop around with lenders to see who is willing to give you the most. With fair credit though, a large loan might mean very high interest rates.

How can you do monthly payments on an above-ground pool?

If you are looking to make monthly payments for an above-ground pool, you can either make installment payments on a personal loan or you can make monthly payments directly to the seller or the finance company the seller partners with.

What is the interest rate on an above-ground pool loan?

If you are looking to finance an above-ground pool by using an unsecured personal loan, you should know that interest rates can range anywhere from 6% to 36%. Interest rates are determined mainly by your credit score. The better your credit score, the lower your interest rate.

If you are applying for an unsecured personal loan with a credit score in or around 550, then you may want to be prepared to pay some of the highest interest rates on the market. If your credit score is above 800, then you may qualify for some of the lowest interest rates available.

Other types of financing may offer lower interest rates, however, the application process is much more complex and there could be additional fees including closing costs as an example.

How long can you finance an above-ground pool?

If you finance an above-ground pool through an unsecured personal loan, a common repayment period may be somewhere between 3 and 7-years depending on the size of the project and its total cost. For more expensive projects, some lenders may even extend a 12-year personal loan for an above-ground pool installation. If you finance an above-ground pool with a HELOC, then typically you can make withdrawals from the line of credit for a period of 10-years, and then you have between 15 or 20-years to pay back what you borrowed.

Where can I get above-ground pool financing?

There are plenty of places to find financing for an above-ground pool. You could seek a personal loan from your bank or through an online lender, you could inquire about a home equity loan, a HELOC, or a cash-out refinance, or you could finance your pool and its installation directly through the pool dealer. If you are considering a personal loan, you can check offers at Acorn Finance without impacting your credit score.

There are several options for getting above-ground pool financing, you just have to know the correct places to look.

  • Online lenders: Many online lenders like LightStream, SoFi, and Upgrade offer loans for pool financing. LightStream and SoFi offer loans up to $100,000, but you need good to excellent credit to qualify. Lenders like Upgrade offer loans up to $50,000 for people with credit starting at 630. Remember that the company will not always offer you the maximum amount that they advertise. Your credit score and debt-to-income ratio will determine the loan amount you are eligible to receive.
  • Banks: Many banks like Wells Fargo and USAA offer home improvement loans that can be used for above-ground pools and other projects. Wells Fargo's current customers are almost always eligible for discounts and can receive loans up to $100,000. USAA offers military family loans of up to $20,000. You can check with your current bank and see if they offer home improvement loans or personal loans that can be used for above-ground pool financing.
  • Credit Unions: Many credit unions offer loans with lower interest rates and flexible loan terms. They are worth checking to compare rates and see who offers the best loans.

If you are unsure of where to start, visit Acorn Finance. You can submit an online form and check offers from top national lenders with no impact on your credit score. By matching you with lenders, you won't have to spend as much time researching online and trying to find lenders by yourself.

Where is the best place to get above-ground pool financing?

We recommend using Acorn Finance to find the best options for above-ground pool financing. At Acorn Finance you can prequalify for a personal loan or home improvement loan with no impact on your credit score. Our lending partners can offer APRs as low as 6.99%, depending on credit score.

If you have an account with a bank that you prefer to work with, you can check their website or have a meeting with them to see if they offer personal loans for home improvement projects.

Some pool contractors also offer to finance. Check with your preferred company and see if they offer loans and have good rates that you can work with.

Should I finance an above-ground pool?

This depends on your financial situation. If you have high credit and a stable income, you should be able to get a personal loan with lower interest and reasonable monthly payments. Pool financing can be expensive whether you get a high or low interest rate. In addition, you likely do not need an above-ground pool, so you'll need to decide if the extra cost is worth it or not.

Is above-ground pool financing worth it?

Ideally, if you are considering installing an above-ground pool on your property, depending on the cost of the project, you should consider paying cash. by paying cash you can avoid interest and other fees. However, if you do not feel like dipping into your savings to pay for a pool, then financing may be a great option that allows you to pay for the upfront costs of the pool and pay for it over time with monthly installments. At Acorn Finance you can check personal loan offers from top national lenders.

By checking offers you can determine what you qualify for and what it might cost you to borrow money. This can be a step in the right direction toward determining if above-ground pool financing is worth it or not.Look at the total loan costs, not just the monthly payments. Ensure it is an amount you are okay with and won't be burdened by paying it back every month.

If you are able to receive a loan with low interest and low APR, financing an above-ground pool could be worth it. You just need to ensure that you are financially stable enough to make the monthly payments. Try to never take out a loan that will burden you or make you feel stressed every time bills are due.

If you have fair or poor credit, financing an above-ground pool might not be worth it. You will need to pay too much money in interest and will waste time financing. It might be a better idea to spend a few months raising your credit score and lowering your debt. This way you are offered better loan terms in the future.

You can also consider budgeting or saving portions of your paychecks until you have enough to pay for the above-ground pool with cash.

Since having an above-ground pool might lessen the value of your home, it probably won't be worth it if you are planning to move before you are done paying the pool back. You will end up losing money and not be able to sell your house for a decent price.

If you plan to stay in your home for a long time and will be there for many years after you are done paying the pool off, then it would be worth it.

How much does an above-ground pool cost?

Above-ground pools cost an average of $1,500 for a pool kit that you construct yourself. The price of an above-ground pool with installation can cost anywhere from $850 to $8,200, depending on the size of the pool and if it contains any special features. With such a large range, it is important to note that the average above-ground pool can cost between $1,850 and $4,977 when professionally installed. When you compare that to the $35,000 average price of an inground pool, you can see why many homeowners opt for the above-ground pool.

These are just average costs, and everyone's pool will be different. The fancier and more accessories you buy, the more expensive the pool will be. If you add waterfalls, grottos, slides, or other special features, you could pay as much as $20,000.

Financing will also add costs to your pool. Most times you finance something instead of paying with cash, you will pay more in the long term. Interest and APR will add to the total cost of the pool.

What are the pros and cons of above-ground pools?

Pools are a great addition to any home. They offer a private space to entertain or cool off during a hot summer day. There are also some downsides to owning a pool though.


  • Swim in privacy
  • Use the pools for parties and events
  • Less maintenance than inground pools
  • Temporary and can be moved
  • Cost less than inground pools
  • Cheaper to fix if there is a repair or problem


  • Usually not suitable for diving or exercise
  • Lower the resale value of your home
  • Easier to damage and need regular repairs

In addition, pool upkeep costs usually range between $1,200-$1,800. If you factor in needed maintenance and popular repairs, you will also need to have some extra money. Sometimes pools can even be as much as $5,000 per year.

You will also have to consider buying additional items for the pool such as::

  • Pool cleaning equipment or cleaning service
  • Water and water treatments
  • Ways to heat the pool
  • A pool cover
  • Lighting for the pool

Once you add in all these costs, the pool is an expensive investment that might deter many people from getting one. The cost is really the only major con.

Does an above-ground pool add value to a home?

Financing an above-ground pool doesn't generally add to the total value of the home. This means when you go to sell the home, you probably won't get your money back. Only ideal circumstances will really increase the value of your home, such as in the following instances:

  • You live in a high-end area, and everyone has pools but you. Adding in a pool should make your home look more attractive to buyers wanting a home in that area.
  • If you live in a warm area and the pool can be used year-round, adding in one could make your house look much better to potential buyers.
  • If the pool doesn't take up the entire backyard area, it will also be better. Usually, people want a pool, but they also want a grassy area for children to play in, to plant a garden, or let the dog out.

If you want the maximum return investment, it probably won't be higher than 7%. You will need to make sure the pool is in good condition, has a nice style, and matches the neighborhood you live in.

Some people don't like the look of the above-ground pool and might actually deter them from wanting to buy your home. If you live in an area where inground pools are more common or preferred, having an above-ground pool probably won't add anything to your home.

Some people are tempted to build above-ground pools because they are cheaper than in-ground options. However, if you are thinking of moving one day or just want your house to have the highest value for reselling, an above-ground pool might not be the best choice.

The good news is that above-ground pools are temporary and can be moved easily. So, you might want to consider doing away with it if buyers seem to be staying away from your home because of the above-ground pool.

The above-ground pool can also damage the grass and yard where it sits. This might ruin the landscaping and cause the new buyer to have to spend more time fixing the yard which is less than ideal.

Is it worth buying an above-ground pool?

An above-ground pool can be a great addition to any backyard, providing a place for family and friends to cool off during the summer months. However, before purchasing an above-ground pool, it is important to consider the costs and benefits.

On the plus side, above-ground pools are typically more affordable than in-ground pools, and they are much easier to install. In addition, above-ground pools take up less space than their in-ground counterparts, making them a good choice for smaller yards.

How long do above-ground pools last?

The lifespan of an above-ground pool depends on a number of factors, including the quality of the materials used, the climate in which it is installed, and the level of maintenance it receives.

For example, pools made with lower-quality materials may only last for a few years before needing to be replaced, while those made with higher-quality materials can last for decades. Additionally, above-ground pools installed in areas with harsh weather conditions may not last as long as those installed in more moderate climates.

Finally, above-ground pools that are properly maintained and cared for will last longer than those that are neglected.

What type of above-ground pool is best?

When it comes to above-ground pools, there are three main types to choose from: inflatable, metal frame, and rigid wall.

Inflatable pools are the most affordable option and can be set up relatively easily. However, they're also the least durable and may need to be replaced more often than other types of pools.

Metal frame pools are more durable than inflatable pools and can last for years with proper care. However, they're also more expensive and can be difficult to set up.

Rigid wall pools are the most durable and longest-lasting option, but they're also the most expensive. They're also the most difficult to set up, so it's important to make sure you have the necessary tools and equipment before starting assembly.

Can you leave an above-ground pool up all year?

Many people enjoy the convenience of having an above-ground pool, but one of the challenges is knowing when to take it down.

There are a few things to consider before making this decision. First, think about your climate. If you live in an area with freezing winters, it's probably not a good idea to leave your pool up all year. The water will likely freeze, damaging the structure of the pool.

Second, consider how often you'll use the pool. If you only swim a few times a year, it may not be worth the hassle of keeping the pool open all year long.

Finally, make sure you have the necessary resources to winterize your pool properly.

What is the deepest an above-ground pool can be?

The standard depth for an above-ground pool is 42 inches, but some pools are shallow enough for wading or have a sloped area that gradually gets deeper. The deepest an above-ground pool can be is typically about 8 feet. This allows people of all heights to enjoy the pool without having to worry about the water being too deep.

Some above-ground pools also have diving boards, which usually have a height requirement of at least 5 feet. The deeper the pool, the more enjoyable it will be for everyone who wants to use it.

How hard is it to install above ground pool?

Installing an above ground pool is a relatively simple process, but it does require some careful planning and preparation. First, you need to choose a level spot in your yard where the pool will be installed. Next, you need to gather all of the necessary supplies, including the pool liner, pump, and filter.

Once everything is in place, you can begin the installation process by following the instructions in your Owner's Manual. Although it may take a few hours to complete the installation, an above ground pool is a great way to enjoy the summer sun without having to leave the comfort of your own backyard.

Can an above-ground pool be permanent?

An above-ground pool can be permanent, but it will require some special considerations.

First, you will need to make sure that the site is level and has good drainage. If the ground is too sloped, the water will eventually start to drain out of the pool. Second, you will need to use a heavier gauge liner than what is typically used for above-ground pools. This will help to prevent the liner from puncturing or tearing over time.

Finally, you will need to install a thicker layer of insulation around the pool to help keep the water warm. With these precautions in place, an above-ground pool can provide years of enjoyment.

Can you heat an above-ground pool?

There are a few different ways to heat an above-ground pool. One option is to use a solar cover. Solar covers work by trapping the sun's heat and transferring it to the water. Another option is to use a gas or electric heater. These types of heaters are more expensive to operate, but they can raise the temperature of the water more quickly.

Can above-ground pools be salt water?

Salt water can be used in any type of pool, including above-ground pools. There are a few things to keep in mind, however. First, salt water can be corrosive, so it is important to choose a pool liner that is salt-resistant. Second, salt water can increase the evaporation rate, so it is important to top off the pool regularly. Finally, salt water can damage pool equipment, so it is important to use only salt-resistant materials.

How much does it cost to upkeep an above-ground pool?

The average cost of keeping an above-ground pool in good condition is approximately $100 per month if you hire a professional pool service. This includes the cost of chemicals, repairs, and other necessary supplies. In addition, the liner of an above-ground pool will need to be replaced every five to seven years, which can add an additional expense. Although the initial investment for an above-ground pool may be lower than an in-ground pool, it is important to consider the ongoing costs before making a purchase.

How much does it cost to run an above-ground pool per month?

Above-ground pools are a great way to enjoy the summer without the commitment of an inground pool. However, they still require regular maintenance and upkeep. The cost of running an above-ground pool can vary depending on the size and type of pool, as well as the climate.

In general, it is recommended that you budget for at least $100 per month for pool care. This will cover the cost of chemicals, filtration, and other basic maintenance. If you live in an area with hot weather, you may need to increase your budget to cover the cost of additional water and electricity to keep the pool cool.

Keep in mind that you don't necessarily have to cover these expenses out of pocket. There are plenty of above-ground pool financing options, including above-ground pool financing bad credit plans, above-ground pool monthly payments, and even above-ground pool buy now pay later options.

Where can I finance an above-ground pool? To explore all of the above-ground pool financing companies that are out there, we recommend using an above-ground pool financing calculator (this can even be done for above-ground pool financing bad credit loans) to help you find the best deals.Acorn Financewill let you shop the many swimming pool financing poor credit loans out there – and get the best possible terms you can find.

Are above-ground pools high maintenance?

There are a number of factors that need to be considered in order to keep the pool in good condition. For example, the pool liner needs to be regularly inspected for leaks, and the pump and filter need to be properly maintained. In addition, the water level needs to be checked on a regular basis, and debris should be removed from the surface of the water. As with any type of pool, above-ground pools require a certain amount of care and attention.

How often should you change above-ground pool water?

For above-ground pools, it is generally recommended that you change the water at least once every three to four weeks. This will help to remove any dirt, debris, or bacteria that may have entered the pool. In addition, it is important to test the pH levels of the pool water on a weekly basis and add chemicals as needed to keep the water balanced.

Can you get above-ground pool financing online?

Some lenders can offer online above-ground pool financing. While others may require you to have a face-to-face appointment, virtual appointment, or phone call. However, many lenders do their applications and approval process solely online because of the convenience for both parties.

You can use the Acorn Finance application online to see which lenders you prequalify for. After comparing offers you can select the best offer and proceed with the lender of your choice, In some cases you can complete the entire process online.

Online pool financing can be easy and efficient depending on the lender. By using Acorn Finance, you can quickly see which lenders are willing to give you loans and compare offers.

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