Pool Financing

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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.

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Loans up to $100,000; Terms up to 12 years; APRs as low as 3.99%.

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In some cases, receive funds in as little as one business day.

“The process couldn’t have been any easier. I filled out a short form that took me less than 2 minutes and within seconds I got multiple offers from lenders.”


– Mike T. (TN)

“It was important to me that I could review my offers without any impact to my credit score, before deciding on the best loan option.”


– Carol R (FL)

“I like the easy online and 100% paperless experience of Acorn Finance. I received my money two days after completing my application.”


– Bob S (WI)

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Pool Loans: A Guide to 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.

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Can You Get A Pool Loan?

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.

How do you secure pool financing?

When it comes to financing a pool, you may have more options than you think. Before picking the best type of financing for you, you should decide what type of pool you want. Do you want an inground pool? Do you want an above ground pool? Do you want a concrete or fiberglass pool? The options and type of pool you choose can significantly impact the cost. Personal loans may be a good option for all credit types to finance all pool types. Other options for pool financing can include home equity loans, home improvement loans, or financing offered by the pool dealer. A little later on we will dive into the pros and cons of various pool financing options.

How do pool loans work?

If you use a term loan, such as a personal loan or home equity loan, for pool financing you should receive the funds as a lump sum that can be repaid over time with interest. In some cases, you may be able to take advantage of a payment deferral program to delay the start of payments. Most personal loans do not have spending restrictions. This means that you can spend the money on building a new pool, finishing landscaping projects, or perhaps adding a deck while you are at it. Backing the process up a few steps, you will need to find the pool loan you want to use. Most banks, credit unions, and online lenders offer pool financing options. The contractor you are working with may even offer financing options. The loan amount, terms, and the borrower can impact what type of rate you may qualify for. Generally speaking, banks and credit unions are usually the most selective about who they lend money to. While online lenders usually have less strict approval requirements. If you have excellent credit, you should have plenty of options when it comes to selecting the best pool financing. To get pre-qualified and see what you qualify for you’ll probably need to submit an application with the lender. Acorn Finance allows individuals to submit one application and receive multiple personalized loan offers within seconds without affecting their credit score.

What kind of loan can I get for an inground pool?

Our top 3 inground pool financing options are home equity loan, HELOC, and personal loan. Home equity loans and personal loans share similarities and are both term loans. However, a home equity line of credit (HELOC) is a bit different. HELOC loans provide a revolving line of credit that is secured by the equity in your home. In most cases, homeowners have a draw period for their HELOC loan and are not required to begin repayment until after the draw period. You should only be charged interest on the amount of money you draw. SunTrust offers competitive HELOC loans up to $500,000 with a 10-year draw period and 20-year repayment term. However, if you are not a SunTrust customer you may be required to pay a higher rate. Discover is a top lender for home equity loans that can help good credit and fair credit borrowers. Most lenders that offer home equity loans have strict approval requirements. Discover is known for having much less strict requirements and perks such as repayment terms up to 30 years. Like most home equity loans, even Discover can have lengthy approval and disbursement processes.

How do I get a loan for an inground pool?

In order to get a loan for an inground pool you should determine which type of loan you want to use and see if you qualify. To get prequalified you’ll need to submit an application with the lender of your choice or through an online platform such as Acorn Finance. It’s usually a good idea to get a project estimate so that you have an accurate idea of how much money you need to borrow. Most contractors and pool companies can provide free estimates.

What is the average monthly payment for a pool?

The average monthly payment for a pool loan can depend on the amount you finance, the term, and the interest rate. You may also need to account for other fees associated with loans such as origination fees. Let’s assume you use a personal loan and borrow $40,000 at 3.99%. If you go with an 8 year term your payments could be as low as $487. You could extend the term to 10 years or perhaps even 12 years. If you went with a 10 year term you could have payments as low as $405. Keep in mind that a longer term may mean lower payments but it usually does not mean a lower loan cost. In most cases, the longer you borrow money, the more interest you pay.

The amount you finance for your pool loan can change your monthly payment. Let’s just say you use a personal loan at 4.99% with a 12-year term and finance $20,000. If you signed into this loan your payment would be about $185 per month. If you wanted to pay the loan off in 6 years your payment would be about $322. If you paid the loan off in 6 years rather than 12 years you could save more than $3,000 in interest. Many online personal loan calculators can help you determine your estimated loan payment and savings for early payoff.

Is it hard to get pool financing?

Qualifying for pool financing can be easy, even if you have bad credit. If you have bad credit you should look into a personal loan. Most likely if you are reading this, you are already doing your due diligence to learn more about pool financing…you are on the right track! Once you do your research and understand the various types of financing you can select the loan type that is best for you. It can be helpful to know how much your pool will cost and how much money, if any, you would like to put down on the loan before applying.

Is financing a pool a good idea?

In most cases financing a pool is a good idea. It can increase the value of your home and make it more desirable while providing a space that your family will love. It can be considered what we like to call “good debt.” You’ll likely recoup most or all of your investment when it’s time to sell your home.

What credit score is needed to finance a pool?

You should have a 550 or above to qualify for pool financing. If your credit is below 600 you should consider applying for a personal loan with a cosigner who has good credit to increase your chance of approval.

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
  • 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 is a 12×24 inground pool?

On average a 12×24 foot swimming pool should cost between $14,400 to $36,000. That breaks down to about $50 to $125 per square foot. Most swimming pools are about 14×28 feet with an average depth of 6.5 feet. On average a 14×28 foot swimming pool costs between $19,600 to $48,750.

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.

How do you finance an inground pool?

Personal loans can be used to finance inground and above ground pools. However, inground pools can be much more expensive than above ground pools. This means that if you are going to finance an inground pool you should pay close attention to the rate and terms of your loan. Home equity loans are commonly used to finance inground pools even though they can be riskier than personal loans. Home equity and home improvement loans usually offer lower interest rates. Personal loans do not require any collateral but home equity loans do. When you use a home equity loan you are essentially borrowing against the positive equity your home has. If you do not have positive equity in your home you may not be able to use a home equity loan. In most cases, you need good to excellent credit to qualify for home equity loans.

Can I get a pool loan with bad credit?

If you have bad credit you may qualify for a personal loan that can be used for pool financing. However, you may have trouble borrowing enough for an inground pool. Applying for loan amounts more favorable for above ground pools may increase your chance of approval. If you have bad credit you should do your research before applying for a loan. One of the worst things you can do is apply with multiple lenders as an act of desperation to get approved. Acorn Finance allows you to submit one application that does not affect your credit. After the application is submitted you can receive multiple personalized loan offers from lenders. Acorn Finance works with lenders that can assist all credit types.

Does putting in a pool increase home value?

Most buyers find a home with a pool more desirable – but not all buyers. Some buyers may see the pool as extra maintenance and liability. Other buyers may see the pool as a private space to cool down, relax, entertain, and have fun. In most cases having a pool can increase your home’s value by about 7%.

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.

Is financing a pool into your mortgage a good idea?

If you are going to finance a pool and can qualify for a home improvement loan or home equity loan it can be a good idea. Home improvement loans can be merged into your mortgage and usually offer very competitive interest rates.

What type of loan is best for a pool?

Financing a swimming pool may be much easier than you imagine. Whether you need to finance an in-ground or above-ground swimming pool, we can help you find some of the best financing options. The type of loan that is best for pool financing usually depends on your finances. Secured loans usually offer the lowest interest rates, highest loan amounts, and longest terms but they can be challenging and time consuming to qualify for. To have a chance at qualifying for a secured loan you will need to have equity in your home. If you default on a secured loan you risk losing your home. A faster and less risky way to finance a swimming pool is a personal loan. Whether you have excellent credit or fair credit, you can qualify for a personal loan. In addition, they do not require money down or collateral as long as they are unsecured. Fox Business reports that an in-ground swimming pool can range between $35,000 to $65,000 and up. If you want to add waterfalls, rock slides, or other upgrades you should budget more money. Acorn Finance has lending partners that can provide personal loans up to $100,000 with rates starting at just 3.99%. This should be plenty of money to build your dream swimming 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
  • 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
  • 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
  • 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.

Our top picks for swimming pool loans

Acorn Finance can connect you with several top lenders for swimming pool loans. If you are considering a personal loan for swimming pool financing, you should apply at Acorn Finance. Whether you have excellent credit, fair credit, or bad credit you can qualify for a swimming pool loan. Below are our top picks for unsecured swimming pool loans.

LightStream Personal Loans
LightStream is an online division of SunTrust Bank, whom we mentioned earlier. SunTrust bank can offer competitive HELOC loans and LightStream can offer extremely competitive personal loans. However, to qualify for a LightStream loan you should have a minimum credit score of 680 or above. LightStream customers can enjoy no fees, low interest rates and personal loans up to $100,000. Rates can vary based on the borrower, loan amount, and loan term. LightStream offers interest rates starting at just 2.49% including an autopay discount. If you are approved by another lender with a lower interest rate, LightStream will beat the rate by one-tenth of a percentage point. Of course, they’ll want evidence of the approval and terms before matching the rate. LightStream is part of the Acorn Finance family.

SoFi Personal Loans
SoFi is another top lender that can offer swimming pool loans up to $100,000. They have the same minimum credit score requirement as LightStream of 680 or above but they can help borrowers with short credit history. They focus primarily on how responsible you have been at paying bills on time. SoFi does not charge any fees and allows joint applications. SoFi offers interest rates starting at 5.99% with autopay. Customers can take advantage of exclusive member benefits such as access to career coaches and financial advisers.

Upgrade Personal Loans
If you can’t qualify for LightStream or SoFi, Upgrade is a top lender that may be able to help. Upgrade can help individuals with a credit score of 580 or above secure a personal loan for swimming pool financing. While their interest rates might be higher than other lenders, they can offer opportunities to borrowers that have credit challenges. Upgrade offers personal loans up to $50,000 with interest rates starting at 6.94%. When evaluating applications, Upgrade places a heavy focus on available cash flow. They are more concerned about applicants’ debt-to-income ratios than rent payments or monthly expenses that may affect an individual’s ability to repay a loan. If you experience a hardship such as a job loss, you may qualify for Upgrade’s Hardship Program. The Hardship Program can reduce your monthly payment or extend your loan term to help you get through a tough time without ruining your credit.


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!

You can get offers from these top lenders and more at Acorn Finance. Simply, submit one application and receive multiple swimming pool loan offers within seconds. Acorn Finance can save you tons of time, money, and hassle while making sure you secure the best swimming pool loan offer.

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