Simple Swimming Pool Financing

Get personalized pool loan rates in 60 seconds
without impacting your credit score in any way.

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How It Works?

Check Offers With No Impact To Your Credit Score
Check Offers With No Impact To Your Credit Score
Get Financed Quickly
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Easy Monthly Payments
Easy Monthly

Why Acorn Finance For Swimming Pool Financing?

A new pool is an investment, and not cheap. We know when you're looking to finance your pool, it can be overwhelming. That is why Acorn puts you in control by showing you personalized pool loan offers from lenders in our network, with no impact to your credit score. You can easily sort the pool financing offers based on what’s most important to you: interest rate, payment amount, or length of the loan. Our 100% online, customer-friendly process is designed to help you find cheap payment options with trusted lenders that can finance your new pool.

Why Acorn Finance?

Get A Swimming Pool Loan Quickly With Acorn

Check Pool Loans & Rates in Seconds

Get pre-qualified swimming pool loans with an easy online pre-qualification application

Checking Won’t Impact Credit

Receive pre-qualified swimming pool loan offers with no impact to your credit score

Competitive Payment

Pool loans up to $100,000; Terms up to 12 years; APRs low as 4.99%

Receive Funds

Receive funds for your swimming pool in as little as one business day


“We got a few expensive swimming pool quotes, so we had to get a personal loan for the pool. I liked being able to sort and find the best loan for our family on Acorn.”

Melissa C (FL)

“When we wanted to expand our backyard and get an infinity pool, the only way to afford it was through a personal loan which we got multiple offers for through Acorn Finance. Thanks!.”

David K (CA)

“Could not have gotten a new pool without the awesome personal loan we got through Acorn.”

Alex D (CA)
Ready To Finance Your New Pool?

Compare swimming pool loans without affecting your credit score.


How Does Acorn Finance Compare For Pool Loans?

Traditional Bank
Credit Union
Credit Cards
Acorn Finance
Same-day Approval
Funding in 1 Day
No Ongoing Fees
Fixed Monthly Payments

Our Financial Partners

LightStream, A Division of SunTrust Bank

Learn More About Swimming Pool Financing

Imagine floating on a raft sipping an ice-cold beverage in your own backyard after a long hot day… a pool loan or financing a pool can make this your reality! There are plenty of options available for all credit types when it comes to pool financing and pool loans. Building can be expensive but the memories it’ll create and the value it can add to your home make it easily justifiable.

Read More

Imagine floating on a raft sipping an ice-cold beverage in your own backyard after a long hot day… a pool loan or financing a pool can make this your reality! There are plenty of options available for all credit types when it comes to pool financing and pool loans. Building can be expensive but the memories it’ll create and the value it can add to your home make it easily justifiable.

Can You Get A Loan For A Swimming Pool?

Absolutely! Financing your new swimming pool is a great way to start enjoying your outdoor space quickly with a low monthly payment.

If you’re interested in financing a swimming pool, it’s important to do your research and select the right loan. Keep reading to learn more about the pros and cons of different types of swimming pool loans.

Pros & Cons of Swimming Pool Loans

Is the cost of building a swimming pool holding you back? Pool financing and loans are available to help you discover the backyard of your dreams. For the most part, pool loans are fairly easy to obtain and offer affordable monthly payments. Let’s take a look at some pros and cons associated with swimming pool loans.

  • Affordable monthly payments
  • Increase home value by adding a pool
  • Competitive interest rates
  • Quick funding
  • Cons
  • Taking on a lot of debt
  • Qualifying for pool financing can be a challenge
  • Risk of getting a bad loan (do your research!)
  • Typical Length of Pool Loans

    7 to 15 years, usually 10 year loans

    How Much Does A New Pool Cost?

    Putting in a swimming pool can be very expensive. Factors such as the type of pool, location, size, and custom features fluctuate the price of a pool. The investment can be justified by the fun times and increased home value a pool can provide. Let’s take a look at different types of swimming pools and their average cost.

  • Vinyl pools: $20,000s - $60,000s
  • Fiberglass pools: $20,000s - $40,000s
  • Concrete pools: $30,000s - $60,000s
  • How Much Does It Cost To Operate And Maintain A Pool?

    The cost of building a pool is one thing and the cost to maintain it is another. It’s important to factor in both, especially when you will be taking on a monthly payment to finance your pool. Some expenses involved in maintaining a pool include:

  • Pool-cleaning equipment
  • Maintenance or cleaning service
  • Water and water treatments
  • Pool heating
  • Pool cover
  • Lighting
  • Increased utility expense
  • On average these expenses cost:

  • Basic upkeep: $1,200 - $1,800 annually
  • Upkeep, potential repairs, & increased utility costs: $5,000 annually
  • Can You Finance Pool Repairs Or Add-Ons?

    Depending on the type of loan you qualify for, you may or may not be able to finance pool repairs or add-ons. In most cases, add-ons at the time of installation may be easier to include in the loan compared to repairs or add-ons in the future.

    What Credit Score Do You Need To Get A Pool Loan?

    Different lenders will provide different rates and financing options for your new pool depending on your credit score. On average, expect to need a credit score around 600+ in order to get a swimming pool loan. That being said, other factors are involved, so if you are considering getting a new pool but need financing, check your options with Acorn Finance today.

    How Long Can You Finance A Swimming Pool?

    Once approved, many lenders have flexible terms. Most terms are several years, but there are shorter and longer options available. Once you receive a financing offer for your new pool, that offer is usually good for at least 90 days.

    Are Pool Loans Tax Deductible?

    Unfortunately the interest paid on pool loans do not qualify for tax deductions when filing. When adding a pool to your home, it does often increase the overall value of your home. Your additional cost of building the pool can be added to your home value in your personal records to help with taxes if you ever sell the home.

    What Type Of Loan Is Best For A Pool?

    Home Equity Loans

    Home equity loans are a secured loan that uses your home’s equity as collateral. Compared to a personal loan, there may be more risk involved when using a home equity loan. The equity of your home is calculated by taking your home’s current value and subtracting what you’ve paid so far toward your mortgage.

    Let’s take a look at the pros and cons of a home equity loan.

  • Interest rates are typically fixed
  • Proceeds from loan are typically received in a lump sum
  • Money can be used for just about anything
  • Interest rates can be lower than a personal loan because you’re borrowing with collateral
  • Tax benefits
  • Cons
  • Possessions may be lost if you fall behind on payments
  • Closing costs and fees
  • Increased risk of going “underwater” if home value decreases
  • Personal Loans

    Personal loans are available for all types of credit and can be used for pool financing. Although rates may be higher compared to secured loans, most personal loans don’t require any collateral. Personal loans are often easier to secure and tend to be less risky than comparable options.

    If you decide to take a personal loan for pool financing, it’s important to compare lenders. Acorn Finance is a reputable company that offers free services. Their services allow you to input your information to one application and receive offers from multiple lenders.

    Let’s take a look at the pros and cons of a personal loan for pool financing.

  • Simple application and approval process
  • No collateral needed
  • Fixed interest rate for the duration of the loan (in most cases)
  • Competitive interest rates
  • Borrow almost any amount (typically between $1,500 - $100,000)
  • Generous amount of time allowed to repay loan
  • Quick funding
  • Cons
  • Interest rates may be slightly higher than comparable options
  • Credit history necessary in most cases
  • Fixed payments
  • Many personal loans have origination fees
  • Some personal loans come with prepayment penalties
  • Pool Dealer Financing

    Pool dealers can assist you with financing by forwarding your information to lenders. In most cases, dealer arranged financing typically costs more than other available options.

  • Loans can be secured or unsecured
  • Fast application process
  • Convenient
  • Cons
  • Typically costs more than comparable options
  • Limited options available
  • More difficult to shop for the best rates
  • Pool Dealer Financing vs Personal Loans: What’s the Difference?

    When you obtain pool financing through a dealer you enlist a middle man. So, what does this mean? In most cases it means your rate will go up. In addition, the dealer may not have or clearly understand all the details related to your approval. Using a pool dealer for financing means you complete an application and they forward it to their limited amount of lending partners.

    When you use a personal loan, you submit one application and are connected to multiple lenders with competitive offers. This allows you to shop for the best deal and score a lower interest rate in most cases.


    In conclusion, a personal loan may be your best option when it comes to financing a swimming pool. It may offer better rates than financing through a pool dealer and doesn’t put your home at risk like a secured or home equity loan can. Applying for a personal loan for pool financing is a simple process and funds may be made available in as little as 24-hours. What are you waiting for? Make a splash and apply for a pool loan today!

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