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Swimming Pool Loans in California

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Swimming Pool Financing in California For Good & Bad Credit

California residents, is your backyard begging for a swimming pool? Do you want to be able to cool off during the hot summer months without having to leave the privacy of your own backyard? Make your daydream a reality with pool financing in California.

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Learn More About Pool Loans in California

In this section, we'll explore some of the most popular pool financing options in California so that you can make an educated decision. Let's dive in!

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Can you get a swimming pool loan in California?

Swimming pools are a great way to beat the heat, improve the aesthetic of your yard, and increase home value – but they come at a cost. Luckily, you can finance a swimming pool in California. Whether you need to finance the entire amount or just a portion, there are options available.
In general, home equity loans and lines of credit are commonly used to finance a swimming pool. However, they can be time consuming and challenging to qualify for. An alternative is a personal loan. Personal loans do not require collateral, money down, or equity in your home – as long as they are unsecured. It might be a good idea to determine what your swimming pool will cost and how much you'll need to finance. From there, you can swim out into the pool of financing options to determine what type of loan is best for you.

How to finance a pool in California?

Many homeowners in California dream of owning a pool, but the high cost of installation can be a barrier to entry. However, there are several financing options available that can make owning a pool more affordable. One option is to take out a home equity loan. This type of loan allows you to use the equity in your home as collateral, and it can be used for any purpose.
Another option is to apply for a personal loan. Personal loans typically have lower interest rates than credit cards, making them a good choice for large purchases like pool installation. Finally, many pool installers offer financing plans with low monthly payments. By doing some research and shopping around, you should be able to find a financing option that fits your budget and helps you realize your dream of owning a pool.

What are pool loan interest rates in California?

Pool loan interest rates in California can vary depending on the type of loan you get and the lender you use. However, the average interest rate for a pool loan in California is around 5%.
The interest rate on your pool loan may be higher or lower than this depending on the type of loan you get and the lender you use. You can check with your bank or credit union to see what their current interest rates are before you apply for a loan. There are also many online lenders that offer loans for pools. You can compare interest rates and terms from multiple lenders to find the best deal. Pool loans typically have terms of 3-5 years, so make sure you can afford the monthly payments before you apply. At Acorn Finance, you can check offers for home improvement loans up to $100,000 and APRs as low as 6.99%, depending on credit score. Your credit will not be affected by checking offers at Acorn Finance.

How much does it cost to build a pool in California?

The cost of building a pool in California can vary widely depending on a number of factors, including the size and type of pool, the location, and the quality of materials used. In general, however, it is safe to say that the average cost of building a pool in California falls somewhere between $25,000 and $80,000. Of course, this is just a rough estimate, and the actual cost will depend on many specific factors. However, by taking the time to get multiple quotes from different contractors, you can be sure to get the best possible price for your new pool.

How to qualify for a pool loan in California?

Although pools are a great addition to any home, they can also be quite expensive. If you live in California and are hoping to take out a loan to finance your pool, there are a few things you need to know.
First, you should have good credit. Lenders will be looking at your credit score to determine whether or not you're a good candidate for a loan. If you have a high credit score, you're more likely to be approved for a loan with a lower interest rate. Secondly, you'll want to shop around to make sure you get the best rate.
Lastly, it's critical to understand the different types of financing. If you use a secured loan such as a home equity loan, you will need equity in your home to qualify. You will also be using your home as collateral to secure the loan. If you have recently purchased your home or perhaps bought it with little to no money down, you may not qualify for a secured loan. Luckily, you can still turn to a personal loan for pool financing in California.

What is the cheapest way to finance a pool in California?

Ultimately, the cheapest way to finance a pool in California will depend on your financial situation. Secured loans such as home equity loans or a home equity line of credit are often the most cost effective way to finance a pool in California. However, there's quite a bit of risk involved in borrowing against your home. Not to mention – the strict requirements to qualify. It's usually always worth it to compare different types of loans and offers.
Personal loans usually have higher interest rates than home equity lines of credit or home equity loans, but they can be easier to qualify for. You may also be able to get a lower interest rate if you have good credit. Whatever type of loan you choose, be sure to compare interest rates and terms before you decide which one is right for you.

What credit score is needed for a pool loan in California?

California residents who are interested in taking out a loan to finance the purchase of a swimming pool should have a good credit score. In general, most lenders want to see a credit score of 600 or better. If your credit score is lower than this, you may still qualify, but the terms may not be as favorable. You can always check offers at Acorn Finance with no impact to your credit score. If you don't like the terms offered, try building up your credit score and checking offers down the road again.

Is financing a pool in California a good idea?

A pool is a big investment, and it's important to think about whether or not it's the right choice for you before you take the plunge. In California, pools are a popular feature in many homes. However, they can also be expensive to maintain. If you're considering financing a pool, there are a few things you should keep in mind.
First, pools require a lot of water, and that can mean higher water bills. Second, you'll need to factor in the cost of chemicals and regular maintenance.
Finally, you'll need to make sure your homeowners insurance policy covers your pool. With all of these costs in mind, you'll need to decide if a pool is worth the investment.

Looking for the best pool financing offers in California? Visit Acorn Finance.

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Why choose Acorn Finance for comparing personal loans in California?

Dive into the pool loan shopping process at Acorn Finance. Instead of treading water, swim laps as you streamline the loan shopping process. At Acorn, you can check home improvement loan rates in seconds with no credit score impact. Our top national lending partners are ready to keep you afloat by providing some of the best personal loan offers. Check offers up to $100,000, depending on credit score, and receive funding in as little as 1-2 business days, although funding times can vary. 

What is the debt-to-income ratio needed for pool financing in California?

Debt-to-income (DTI) is a requirement for most lenders. As lenders evaluate borrowers, they can consider requirements such as credit score, DTI, income, stability, etc. DTI is a ratio calculated by dividing all monthly debt payments by gross monthly income. DTI requirements can vary by lender, but most will want to see a DTI ratio of less than 45%. When you apply for a loan, lenders usually use the loan amount requested as part of the applicant’s DTI ratio. This means that when applying for larger loans, you’ll likely need to have a lower DTI ratio. 

How long do most people finance a pool in California?

Before we dive into financing, we should consider the different types of pools. Primarily, pools are either above-ground or inground. While both can have options that impact the price, inground pools are usually much more expensive than above-ground pools. Therefore, financing options for above-ground and inground pools can vary. 

In California, pools are popular as residents want to soak in the glorious weather from their homes. While some residents pay cash to build a pool, some rely on financing options to afford a pool in California. Here are some types of financing that can be used for pool financing in California. 

  • Home equity loan: Home equity loans can be used for remodeling, building a pool, paying for college, etc. A home equity loan is secured by the equity in your home. This means your home will back the loan as collateral. While a home equity loan can present the opportunity for homeowners to borrow large sums of money for extended periods at competitive rates, there’s risk involved. Additionally, the process of qualifying can be time-consuming. To get a home equity loan, homeowners often work with local banks and credit unions. Homeowners who have recently purchased a home may struggle to qualify for a home equity loan due to a lack of equity. Another scenario that can present challenges is applying for a home equity loan in a down market. In most cases, the lender will appraise the home to determine the market value to decide what the applicant is eligible for. 
  • Home equity line of credit (HELOC): Similar to a home equity loan, a HELOC is secured by the equity in your home. A home equity loan is funded as a lump sum (installment loan), whereas a HELOC is a revolving line of credit. Homeowners can draw on the line of credit as needed and are only responsible for repaying the borrowed amount with interest. HELOCs can help homeowners fund improvements such as building a pool. They can also provide homeowners with access to cash when they need it. 
  • Personal loan or home improvement loan: Individuals who do not want to use their home as collateral or simply need to borrow a smaller amount that might not make sense for a secured loan can consider a personal loan. Personal loans can also be called home improvement loans. Home improvement loans are a type of installment loan that are not backed by collateral (unsecured). Instead, they are based on creditworthiness. Home improvement loans are funded as a lump sum with few spending restrictions. They can be a good option for above-ground pools or smaller loan amounts for inground pools. They allow homeowners to borrow the funds they need without risking their home as collateral. At Acorn, you can check home improvement loan rates up to $100,00, depending on credit score. 

Is pool loan interest tax deductible in California?

The interest paid on a pool loan is likely not tax deductible in California. However, improvements such as building a pool that can increase your home value can be added to the original cost of the home. If you sell the home down the road, this can reduce the profit from the sale, which can have tax benefits. Consult a tax professional licensed in California for personalized advice. 

Is there a return on investment for building a pool in California?

Some potential buyers may search high and low for a house with a pool. However, it may detour some other buyers. Building a pool in California may increase your home’s value, but the ROI may not be great. If you choose to build a pool, consider potential buyers’ preferences, such as aesthetics and safety. When choosing to build a pool, base the decision on personal enjoyment. If you can enjoy the pool with friends and family, and it benefits you when it’s time to sell, consider it a win-win. 

How can California residents find the best pool loan?

Here are some steps California residents can take to find the best pool loan:

  1. Choose a type of pool: Choosing the right type of pool for your backyard can set the backdrop for pool plans. It can also put you on the right track when it’s time to shop for estimates. 
  2. Get estimates: Most contractors can offer a free consultation or estimate to discuss options. Gathering a few estimates can help you define the scope of your project and understand the costs. You will need to know how much you need to borrow when it’s time to shop for loan offers. Along the way, you may even find contractors that can assist with financing. 
  3. Determine how much you need to borrow: After collecting estimates, you should have a more accurate idea of how much you need to borrow. You may need to borrow additional funds to cover landscaping, fencing around the pool, dumpsters, and other costs associated with building a pool. 
  4. Review your budget: Before shopping for a loan, review your finances. This can help you determine how much cash, if any, you can allocate toward the pool and or how much you can afford to repay monthly. 
  5. Explore loan offers: Once you’ve defined the scope of your project and needs, you can find loan options and offers that meet your needs. To check home improvement loan offers with no credit score impact and no obligation, visit Acorn Finance

What are the best pool loans in California?

The best pool loans in California for 2024 can vary depending on your needs, the amount you need to borrow, and other details. In recent months, we’ve seen interest rates rise, which may create an obstacle for homeowners needing pool financing. Secured loans, backed by collateral, can reduce some risk for the lender, which can allow them to extend more competitive loan offers. However, backing a loan with your home can present a risk for you, so you may want to explore the option of an unsecured loan such as a home improvement loan. Compare your needs and budget with loan options to determine what best meets your needs and makes you feel most comfortable.

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